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.Your driver’s license can be suspended if you’re caught driving without insurance, or lend your vehicle to someone to drive without it. UltraCar Insurance quickly provides SR22 Alabama insurance quotes and files your certificate with the Alabama Department of Revenue (DOR).
Why do I need SR22 insurance?
You may be required 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 policy is monitored, and if it lapses your insurance provider will submit an SR26 form to the state. This results in re-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 vehicle owners. The certificate will be endorsed to your auto insurance policy.
Non owner insurance Alabama is for people who don’t own a vehicle. The certificate will be tied to a non owner insurance policy. It allows you to reinstate your license and to be properly insured if you occasionally drive a non-owned vehicle. It serves as secondary insurance to a vehicle owner’s auto insurance coverage.
Alabama ALEA & DOR
See Frequently Asked Questions about MLI and the MLI Brochure on the Alabama Department of Revenue (DOR) website. License reinstatement information can be found 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!
This article was last updated on January 5th, 2020 by UltraCar Insurance