My brother has a record of drunk driving and until now he hasn’t included SR22 Filing in his insurance though many car insurance brokers have been calling him to include SR22 in his insurance. Are these car insurance useful and are they right regarding SR22 here in Indiana?

Ashley

Fort Wayne, IN

Car insurance brokers are not useless at all; they are somehow what we call our angels for they look for good car insurance company and car insurance coverage that best fit you. You don’t have to go around shopping for coverage and researching what is SR22 all about for they will give you the necessary information you need. Put this in mind, car insurance brokers won’t give you an advice about SR22 if you don’t have a record since this kind of accident would most likely to happen again.

Having a car insurance broker doing the boring job in your behalf is a good thing, you don’t need to be the one searching for coverage and comparing. Doing this takes a lot of time for you are going to determine how much you would pay for your car insurance. Determining how much you should pay for your car insurance in Indiana is not that simple for you have to know and understand well how to make your car insurance lower. A car insurance broker knows ways on how to cut down the cost of your car insurance premiums which is offering a higher excess and with this you will be able to pay less each year for your car insurance. Your car insurance broker will know every way on how to make your premium lower as well as the car insurance coverage that best fits you.

I would like to know if a non-owner sr22 policy will work for me.

Aby

Indianapolis, IN

Thanks for asking, Aby.

You need to understand that an SR22 non-owner or named-operator liability policy is insurance on you for any vehicles you operate which is not yours. Normally, this type of liability policy is usually written with a state’s minimum coverage limits. It normally covers other drivers or property and not your own. If you were in an accident that was your fault, the liability insurance would normally cover only the injury to or property damage of others which occurred as a result of the accident. Take not that this insurance would not pay to fix the car you were driving nor your own injury.

So why is an SR22 filing needed? It can be attached to a NON-OWNER policy to satisfy the state’s requirements for license release. As such is the only option if you do not own a vehicle.

If you own a vehicle, you can still use the NON-OWNER policy to satisfy the state requirement before you may retrieve your license. Therefore, any insurance you would purchase in this case would have little chance of being used since its main purpose is discretion. Bear in mind that you can use a NON-OWNER policy to satisfy the state requirements and keep your existing insurance in place. There is no communication between the two insurance companies, and one policy will certainly not affect the other. You can keep the non-owner policy in force until the state’s time requirement is completed. Eventually you can cancel it and continue with your original, unaffected insurance.

The term NON-OWNER policy actually refers to the fact that there is no vehicle insured on it. It doesn’t really mean that you don’t own a vehicle or insure one on another policy.