Alabama SR22 Insurance Filings & Quotes
In the state of Alabama, SR22 insurance is necessary for individuals who have been convicted or found guilty of a drunk driving offense by the courts. An SR22 insurance policy is what most people would consider to be a high-risk type of auto insurance. Your insurance carrier must present the state of Alabama DMV with all the proper forms and will file the SR22 forms with the Alabama DMV office to enable you to get your license back.
Your local Alabama DMV office will not be able to give you your license back or allow you to register an automobile without having this SR22 filing in place. With most people that are required to carry an SR22 they are required to hold onto it for at least 3 years. The 3 year mark is going to be from the date that the offender’s driving privilege was reinstated by the state allowing for you to drive again.
When you’re applying for an SR22 you will need to satisfy the minimum Alabama auto insurance requirements before being allowed to have your driving privileges back. The minimum auto insurance requirements in Alabama are $25,000 bodily injury per person while the limit is $50,000 for two or higher passengers who are in the vehicle with you. The property damage for the vehicle that you’re in is $25,000 dollars.
The bodily injury claim that you need to meet is a minimum of $25,000 per occurrence of a serious or permanent injury that someone sustains while in a accident with you driving. The same holds true when someone in the accident dies from the crash. The maximum payout is capped out at $50,000 and must be divided amongst the individuals involved within the accident. While an individual attempts to sue you regarding a car accident, the insurer will provide you with the legal representation for you in the court to handle everything that arise from the accident.
The exact property damage will provide coverage to the driver and whoever is driving the vehicle when it comes to an accident. If you or a family member are driving and involved in an accident, the insurance company will pay for damages occurring from the accident up to $25,000. If there are damages above and beyond that you’ll be liable for the remaining money owed.
You need to know that if you are required to hold an SR22 in Alabama you are not able to allow your insurance to lapse at any point. If your insurance policy lapses then the insurance provider is accountable to inform the Alabama DMV of your lapse in coverage. You can however transfer your SR22 insurance coverage from one insurer to another as often as you like, just so long as if you do not cancel your policy from one to another allowing for a single day of coverage to lapse. It is best that you have your current insurance company call your new provider in order to keep your policy from lapsing.
You will also be able to get non-owner SR22 coverage in Alabama which covers you when you are allowed to drive any one’s motor vehicle. If you drive an assortment of family member’s vehicles then you might want to make sure that this type of insurance coverage is what you get when seeking to get insured in Alabama.