If your license is suspended, the state will require you to purchase SR22 insurance Alabama to reinstate your driving privileges. Alabama requires all drivers to carry Mandatory Liability Insurance (MLI) coverage. The state can suspend your license if you drive without insurance, or if you lend your uninsured vehicle to someone to drive. UltraCar Insurance provides SR22 Alabama insurance quotes and quickly files your certificate with the Alabama Department of Revenue (ALDOR).
Why do I need SR22 insurance?
The state may require you to file an SR22 certificate for Alabama license reinstatement for a number of reasons. Most have to do with motor vehicle violations, but there are other circumstances it may be required. The most common reasons for SR22 insurance include:
- Too many points against your driving record
- A DUI or DWI offense
- Reckless driving
- Refusing to take a breathalyzer or other DUI test
- Uninsured accident
- Child support or neglect cases
- Legal judgments or court orders
How does SR22 insurance Alabama work?
SR22 is a financial responsibility form that guarantees the state that you’re properly insured to drive at all times. You must have this certificate filed with the Alabama DOR by your insurance provider. You’ll have to keep your SR22 filing in effect for three to five years. During this time, it’s important to keep SR22 insurance Alabama current at all times. The insurance company monitors your policy, and if it lapses they must submit an SR26 form to the state. This results in another suspension your driver’s license, which can be costly.
Two types of Alabama SR22 insurance
There are two types of SR22 insurance: owner non owner. Owner SR22 insurance is for individuals who own one or more vehicles. In this case, the SR22 certificate is an endorsement to your auto insurance policy.
Non owner insurance Alabama is for people who don’t own a vehicle. Your insurance provider attaches the SR22 certificate to a non owner insurance policy. The certificate filing proves you have adequate insurance coverage, which allows you to reinstate your license. It serves as secondary insurance to a vehicle owner’s auto insurance coverage.
Alabama Law Enforcement Administration (ALEA)
An outline of the fees for license reinstatement, crash reports, and driver records appear on the Alabama Law Enforcement Agency (ALEA) website.
Count on UltraCar Insurance to find the best SR22 insurance Alabama rate for you. Click the quote button to get started, or speak with one of our licensed agents for your Alabama SR22 quote today!
