Alabama SR-22 Insurance
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UPDATED: Nov 2, 2020
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What Is Alabama SR-22 Car Insurance?
An Alabama SR-22 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.
Six major factors affect car insurance rates in Alabama. Which auto insurance factors will affect SR-22 rates the most? Typically that’s a AL DUI.
Who needs SR-22 Insurance in Alabama?
The SR-22 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 SR-22 Insurance Forms?
There are actually two types of Alabama SR-22 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 SR-22 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 SR-22 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 SR-22 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 SR-22 quote.