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What Is Alabama SR22 Car Insurance?
An Alabama SR22 car insurance form is often referred to as a SR-22 Financial Responsibility Insurance Form.
This is a special insurance form that will reveal to Alabama authorities that the owner or driver of the vehicle
is fiscally responsible for maintaining continuous car insurance meeting the minimum liability insurance requirements
as outlined by the state. Both the insurance company and the driver or owner of the motor vehicle will need to file
an SR-22 form with the Alabama Department of Public Safety. This is to ensure that the department of motor vehicles
can be confident that those on its roadways are safe and insurance will be in place, in the event of an accident.
Who needs SR22 Insurance in Alabama?
The SR22 is needed for drivers in Alabama who are under mandatory insurance supervisions, and drivers who have
had their licensed revoked. Additionally, those who are considered high risk, such as those who have had a DUI or
other reckless driving issues will also need to file an Alabama SR-22. Those drivers who have had unsatisfactory
judgments levied against them in the event of an accident will also need to file the form, as well as drivers who
has any sort of safety responsibility suspensions.
Are There Different Types of Alabama SR22 Insurance Forms?
There are actually two types of Alabama SR22 Insurance forms: The Owner and the Operator. Anyone who owns a
vehicle will need to carry an Owner’s certificate as this covers fiscal responsibility for vehicles that the
motorist may own. The Operator certificate is coverage for those who do not own a vehicle, but may drive.
Is SR22 Insurance Required in Alabama?
The State of Alabama does require Alabama SR-22 insurance in cases of high-risk drivers and in the other
situations mentioned above. It can be required anywhere from 36 months to five years however, often, without
additional violations, it may no longer be required. The State of Alabama requires that all drivers carry a
minimum of $20,000 coverage in the event that one person is killed or injured, $40,000 in case two are injured
or die, and $10,000 worth of coverage for property damage.
How Do I File an Alabama SR22 Form?
It is the responsibility of the driver to contact a state licensed insurance agency to request an Alabama
SR-22 filing. The motorist will then pay a fee, which varies from insurance carrier to carrier, and the agency
will then submit the form to the Department of Public Safety. Finding low cost SR22 insurance quotes is important
to making sure that you’re getting the right coverage at the right price; enter your information in today for a
free online Alabama SR22 quote.