Will SR22 Insurance Cover Me and Those Who Use my Car?
Reader’s Question:
I am required to carry an sr22 and I just want to know if this will cover just myself or anyone who uses my vehicle?
Justin
Thank you for asking Justin.
Typically, car insurance follows the motor vehicle first and the driver second. There are financial liability laws in most states so the motorist should also have had car insurance or they will end up with a conviction for driving with no insurance and have their license suspended or revoked until they get an SR22 or the financial responsibility certificate.
Normally, an SR22 is only liability insurance so it will likely cover the motor vehicle struck and damaged but not the at-fault vehicle’s damages.
To be certain what your specific SR22 policy covers contact your insurance company. They will be able to give you more information on what the sr22 covers.
Goodluck!
MariCAR
Is Car Insurance Required in Wisconsin?
Reader’s Question:
Is there a state where you will not be required to have auto insurance? What about Wisconsin? Who would be the cheapest?
Tom
Eau Claire, WI
There are some states in which car insurance is not required but you are mandated by those states laws to have a type of financial responsibility in effect to cover damages you may cause in an accident if you choose to not have car insurance on your motor vehicle.
Every state requires auto insurance or that you meet financial responsibility requirements through a bond or some other way which shows you are able to pay if you cause damages to other party or property in a auto accident. Each state renews and/or changes their laws annually, so those states that had no insurance requirements in the past now do. The state of New Hampshire probably has the least amount of requirements.
Most people believe that Wisconsin does not require car insurance, which is true but you must have other means to pay for the damages you cause if you are at fault in an accident.
The cheapest depends on your driving record, your vehicle and the area of town which you live plus the deductible amount.
Can a 17 Year Old Purchase Car Insurance?
Reader’s Question:
Can I purchase and insure a car if Im only 17 years old? I live in Wisconsin. Thank you.
Jean
Good question Jean.
The Wisconsin Department of Transportation does not mention any type of restriction for age for purchasing a car or for registering one. The state statutes do discuss the issue of a minor buying a car though.
Section 218.0147 Subsection 1 of the WI statutes states that a minor may not purchase or lease any car unless he/she, at the time of purchase or lease, provides to the seller or lessor a written statement verified before a individual authorized to administer oaths and made and signed by either parent or a legal guardian.
If a minor have a parent or guardian who will sign a statement verifying that the minor has permission to buy the car, then a minor will be able to purchase a car.
You may contact with the WI DOT and Commissioner of Insurance if you want to get more information regarding laws in Wisconsin and verify if a teenager may be able to purchase and insure a motor vehicle and if so, what are the requirements you need to have.
Goodluck!
MariCAR
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