Reader’s Question:

My name is Patrick and I don’t usually ask stupid questions. But I want to know if one can get auto insurance even if he or she does not have a car. Thanks. Brick, NJ rules.

Patrick

Brick, NJ

Patrick, my man. Honestly, I don’t think the question is stupid, but I hope you don’t rule Brick, NJ. That’d be scary. To answer your question– yes, you, Patrick of Brick, will be able to get auto insurance even if you don’t have a car, much less a donkey. The whole insurance quotation thing would be much easier, though, if you have a car.

This whole scenario, of course, will depend on the insurance company. A car insurance company will usually appraise the risk factor of the car to be insured and the risk they are going to take in insuring you. In the absence of your car, Patrick, they can only appraise your risk factor. You can expect the premium rate to be cruel. If the auto insurance company agrees to cover without a vehicle Patrick, it means that they agree to let you drive any car and promise to have your back. If you drive a Ferrari, which is expensive to cover, they’d cover it. It’s risky for them and expensive for you. Look around Brick, you just might find that car insurance company you need. But, Patrick, wouldn’t it be easier to just buy a car first, then have the car insured? Easier for everybody.

Tags: auto insurance, Car Insurance Company, car insurance quotes

Reader’s Question:

My husband and I live in Largo, Florida. My drivers license is suspended and he has a good driving record. Can he purchase automobile insurance?If so, how? The previous car insurance carrier canceled our insurance because they found out about my DUI and my suspended drivers license.

Jean

Largo, FL

Your husband might be able to get car insurance in Largo, Florida since he has a valid drivers license and a clean driving record, however he may expect that the car insurance policy would typically not going to be cheaper since you, as his wife, are household member with a suspended drivers license and DUI conviction. He would likely have to find an insurance carrier that deals with high risk auto insurance policy.

The Florida’s Department of Financial Services may be able to assist you with your insurance needs by providing you more information on what the state of Florida insurance carriers might be able provide your husband the car insurance he needs for the automobile.

You can also start getting car insurance quotes now to see if you can get a better car insurance rates with different insurance companies. You may type in your zip code in Largo Florida to see how much insurance cost you may expect that includes a household member with DUI conviction.

Tags: auto insurance, car insurance cost, DUI insurance

Reader’s Question:

I recently got involved in a car accident with someone and I had no auto insurance coverage. The other vehicle had uninsured motorist coverage. Whats going to happen?

George

Houston, TX

I am sorry to hear about what happened. The specific penalties differ from state to state for driving without insurance and/ or being involved in a car accident without car insurance. You may be held personally liable for the damages you caused even if the other person had insurance. Additionally, you will be subject to some financial responsibility rules that is enforced by your state.

I would really suggest that you contact a lawyer to determine your liability exposure and you may also contact your local driver’s license office to know what action(s) may be taken against your license.

You will also need to find out the insurance status of the other motorist through the local authorities (police report and/or investigation).

Tags: auto insurance, automobile, insurance advice

Reader’s Question:

Is sr22 only required for DUI or DWI? are there any moving violation that an sr22 will be required?

Eddie

Thank you for asking Eddie.

The reasons that an SR-22 may be required depends upon state laws and statutes. The SR-22 in most states is required to reinstate your license after a DWI or DUI conviction and other serious moving violations.

In Oregon, the Department of Motor Vehicles requires that your insurance company file an SR-22 certificate with DMV if :

* You failed to provide proof to DMV that you have liability insurance,
* You’ve been convicted of driving without insurance,
* You’ve been involved in an uninsured accident,
* You are applying for a hardship or probationary permit, or
* At the time of reinstating your driving privileges following a DUII suspension

This is not the complete list so to get more information, you may contact your state Department of Motor Vehicle.

The SR22 is a form that shows that you have financial responsibility on your car through motor vehicle insurance. Generally it is required by the state for drivers who are high risk. Each state has their own reasons or circumstances that require a driver to acquire and maintain the SR-22. Here are some reasons a state might require you to file an SR-22 form:

* DUI or DWI (drunk driving or under the influence of drugs)
* serious moving violations such as reckless driving
* compiling too many DMV points in a short period of time
* being termed a habitual traffic offender
* causing an accident while uninsured
* reinstating your license after a suspension or revocation

Goodluck!

MariCAR