Will Getting In An Auto Accident Affect My SR22 Filing?
Q: Will getting into an accident interfere with my SR22 filing?
A: Getting into a car accident will not directly affect your SR22 filing, but it could do so indirectly. Your SR22 filing is only affected by whether or not you are paying for car insurance. If you have car insurance, your SR22 status is fine. If you don’t, then it isn’t, and you can lose your license. What could affect your SR22 filing is your possession of car insurance coverage, which can be affected by an accident.
If you are already a high risk customer–which you probably are, since you are filing SR22 insurance–then getting into an accident which is caused by your own negligent driving is almost certain to cause negative consequences. While some companies may be lenient and simply raise the rates on your premiums as a result of the accident, other companies may choose to cancel your car insurance policy as soon as they find out.
You should remember, though, that your car insurance company may not necessarily find out about your accident. Most companies only check your record once a year or even once every three years, so your accident may have fallen off your record by the time they check. However, if they don’t find out on their own and you don’t tell them, then once they do find out they could still cancel your policy because of misrepresentation.
Do I Need To File an SR22 Form For My Older Car?
Q: Do I need to file an SR22 form for an older car?
A: Yes, you need to file an SR22 form for any car. In fact, your SR22 form isn’t for your car at all, it’s for you. You can see this from the fact that some people are required to file non owners SR22 insurance even if the cars they are driving are insured by their owners. It is not your car your insurance company is worried about, but your driving. Having to file an SR22 form has put you in a very high risk category, and your DMV has to be sure that you will be insured because you pose a greater risk of getting into a car accident, especially a serious one.
If you have an older car, you can do some things which will allow you to pay less money to file your SR22 form. For an older car, you should first see how much your car is worth. You can do this by looking in Kelley’s Blue Book. Now take the worth of your car and compare it to how much you pay every year to file your SR22 form. If you are paying more to file insurance than you would get if you sold your car, then you need to have the least amount of insurance that it is legal to have. If your car is worth less than $1000, then you should absolutely cut your coverage as low as it goes.
How Should You Buy SR22 Insurance in Kentucky?
Q: Should I buy my Kentucky SR22 insurance direct or with an agent?
A: Both direct line insurance and agent bought insurance are great ways to get your SR22 policy, but which one works for you personally will depend on your own specific situation.
For agents, these are more often and better used by people who lead very busy lives and don’t have the time available to do all of the research and quote mining that finding the cheapest Kentucky SR22 premium requires. Agents are also often a good route for people who are new to the insurance business and don’t have the knowledge or experience to know when they’re looking at a good deal and when they aren’t.
Direct line is also very quick and easy, and is best for people who want to save their money instead of paying an agent fee, and also for people who move around a lot. If you buy your SR22 insurance through an agent, then you often have to find a new one every time you move, but with direct, you just call up and change your address. You can also often handle your direct car insurance all by yourself online, and it isn’t very difficult to learn the ropes.
Is Kentucky Auto Insurance Program Offering SR22 Insurance?
Q: What is the Kentucky Auto Insurance Program, and can I get my DUI SR22 through it?
A: The Kentucky Auto Insurance Program is a program for people who have trouble finding a company which will sell them insurance, in many cases SR22 insurance. People who can’t find insurance can join the assigned risk pool by filling out an application, and the AIP will then give their application to a participating company. All car insurance companies who are license to sell insurance policies by the state of Kentucky are required to participate in the Auto Insurance Program.
You can get any kind of SR22 coverage through the AIP, but the prices will be higher, so you should only submit an application there if you cannot get insured otherwise. In order to qualify to join the AIP pool, you have to have been rejected by an insurance company within two months of your application, and be able to provide proof that you have been rejected, so you have no choice but to do some shopping around first.
Since you are getting SR22 insurance, remember that there are some time constraints. If you apply to join the AIP pool, it takes about 15 days for you to actually get insured.
Kentucky SR22 Auto Insurance – Where To Get It?
Q: I’ve been turned down by three car insurance companies since the judge told me last Wednesday that I would have to get a SR22 policy in order to get my driver’s license back, and I can’t figure out where I’m supposed to go to get insurance. Is there a special place? Yes, I have 2 DUIs on my record. 
A: Not really. No ‘special’ place for SR22 insurance exists, although there are some companies which are more likely to insure you than others. Depending on a company’s policy for risk and the amount of trouble you have had in the past in addition to your need for an SR22 to be filed, your level of difficulty in finding a car insurance policy can change.
Mostly, though, it would make sense for you to start your search among companies which are deemed as high risk. Companies like these thrive on people like you, with your fast cars or your SR22 policies. Because you’re more risky, they can charge you more and make more money. However, although they insure most, they don’t insure everybody.
If you aren’t part of most, then you can fall to the final resort of becoming part of the SR22 assigned risk pool, where you’ll be guaranteed to be insured by a random company, although your premiums will be very high.
What Coverage Do I Need In Kentucky For SR22 Insurance?
Q: What all coverage do I need on my Kentucky SR22 insurance policy?
A: Kentucky is a no fault state, so on your Kentucky SR22 car insurance policy you will need to have your regular liability coverage as required in most states, and in addition to that you will need no fault personal injury protection.
First, let’s look at your liability insurance. You have bodily injury liability, which covers the death or injury of the other driver in their passengers when you are in a car accident which you are found to be at fault for. Your Kentucky SR22 policy must have $25,000 of bodily injury liability for each person, with a maximum coverage per accident, no matter how many people, of $50,000. Your second kind of liability insurance is your property damage liability. Your Kentucky SR22 will need ten thousand dollars worth of this coverage, and it will cover any damage you cause, to cars, fences, whatever, if you are at fault for an accident.
Next, we take in your no fault personal injury protection coverage, of which you will need ten thousand dollars worth on your Kentucky SR22 policy. Your personal injury insurance will cover any injuries you yourself sustain in a car accident.
Non Owner SR22 Auto Insurance Discounts in Kentucky?
Q: Can I get discounts on non owner Kentucky SR22 insurance or are they all for people with cars? Because it looks like to me everything is for people who have cars.
A: You may just be with a car insurance company which doesn’t have a lot of discounts. I would say that is the first sign that you need to get out. Start looking up quotes online and think about changing to a company with a lower car insurance quote and a better range of discounts. Depending on the size and number of discounts you’d qualify for, sometimes it’s better to trade a lower initial quote for a lot of discounts.
Many of the discounts aren’t applicable to a non owner SR22 insurance policies because they involve aspects of he car, such as anti theft device discount, low mileage discounts, safety feature discounts, and the like. But many are careless discounts.
For example, you can get a discount for combining your insurance policies, by getting your life, health, home owners/renters, and car insurance all from the same company. You can choose from a variety of student and senior discounts, or take classes to watch your non owner SR22 car insurance rate plummet.
Funny Health Insurance Video
Ok….this blog is to help people with Kentucky SR22 auto insurance, but until someone posts a question or a comment I am going to put up some funny videos I found on the web. This one is great, what do you think…post your comment.
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