Auto Insurance For DUI
Reader’s Question:
Do I need 2 car insurances after committing a DUI offense last week? I know it was a terrible mistake and I want to make amends by at least complying with what the state requires in terms of car insurance. Apart from DUI insurance, do I also need to have DUI SR22 insurance?
Ian
Pittsburgh, PA
To put it simply, DUI SR22 insurance is not really an actual car insurance. It’s nothing more than a form filed by the auto insurance company of the driver with DUI offense to the state, informing that the insured has the mandated insurance coverage.
Though I commend you for acknowledging your mistake (because you were caught and didn’t have a choice, right?) and wanting to make amends by at least complying with your state’s car insurance policies and regulations, it doesn’t mean you’re already considered a saint. Are you aware of the countless lives that were lost on the roads caused by drivers who were DUI? Every person is entitled to his/her own choice, but when that choice does harm to others, it is obviously so wrong. So, Ian, please drive responsibly next time.
By the way, I suggest that you check various DUI SR22 insurance companies online. You will find a lot of choices by just clicking. I’m sure that the best DUI SR22 insurance is just at the tip of your fingertips.
Auto Insurance Company
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.
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