How do I know if I have to have an SR22 filed?

Message Author
ampm-bookmark
delicious-small Add to delicious
yahoomyweb-small Add to YahooMyWeb
blinklist-small Add to BlinkList
PostPosted: Fri May 09, 2008 12:58 pm   Post subject: How do I know if I have to have an SR22 filed?  

Are there levels of infractions that do not require one? I have a customer that needs one and I am wondering how you can tell, or if you can tell during the quoting process whether or not the person will need it.

vberta
New member
Leave a quick message



Joined: 09 May 2008
Posts: 2


2.56 Dollars($)

PostPosted: Fri May 09, 2008 5:03 pm   Post subject:   

First of all, and trust me on this, the Department of Motor Vehicles will pretty much make sure that your client is aware that he will need to file an SR-22! Typically, it's not a surprise to the driver!



SR-22 filings, also called "financial responsibility" filings, are normally required when the driver is busted for a DUI or driving without insurance. Depending on the state in which you live, these requirements could vary.

Additionally, the length of time in which the SR-22 would need to be filed will vary based on the traffic offense committed.



The quoting process will not let you know anything. It may ask you if there is an SR-22 requirement within the bank of questions that must be answered on computer based apps, and this will pretty much always throw your client into a non-standard insurer.



Normally, the term associated with these filings, especially if the client was previously a preferred risk customer, is "sticker shock" with most scenarios.



Good luck and let us know if there's anything else!



InsTeacher Cool

InsTeacher
Forum Expert
Leave a quick message

InsTeacher
Forum Expert

Joined: 13 Aug 2007
Posts: 1398

Location: Oregon, USA
127.26 Dollars($)

PostPosted: Fri May 09, 2008 5:30 pm   Post subject:   

In quoting the auto insurance, the prospective insured knows, just like InsTeacher said, but he/she may not tell you. In this case your quote will be based on the information made available to you by the applicant and any additional information obtained from an MVR, if your quoting system runs MVS's during the quoting process.



If the person must have an SR-22 it's probably to show financial responsibility to a court to get a driver's license re-instated.



There is no "fool proof" way of knowing whether an applicant needs SR-22 insurance or not.



It could get by you, the agent and the insurance company, but somewhere along the line it will surface.



Maze



_________________

"The good you do today may be forgotten tomorrow. Do good anyway."

— Mother Teresa
InsuranceMaze
Community Consultant
Leave a quick message



Joined: 16 Oct 2007
Posts: 582


24.19 Dollars($)

PostPosted: Sat May 17, 2008 10:33 am   Post subject:   

Your local MVD will certainly let you know.

gary
New member
Leave a quick message



Joined: 23 May 2007
Posts: 40


10.82 Dollars($)

PostPosted: Wed Jul 15, 2009 3:23 pm   Post subject:   

As long as the DMV does not inform you, you do not know that you need to have SR22 . At the same time DMV makes sure to apprise you that you need one.

Neetalia
New member
Leave a quick message



Joined: 15 Jul 2009
Posts: 30


5.24 Dollars($)

PostPosted: Thu Jul 16, 2009 4:46 am   Post subject:   

Hello Neetalia,



Quote:
At the same time DMV makes sure to apprise you that you need one.




And, how would they go about it?



Should I always wait for DMV to get in touch with me or it'd be better to be preempt to avoid troubles?
kelvin
Senior member
Leave a quick message

kelvin

Joined: 22 Nov 2005
Posts: 206


37.92 Dollars($)

PostPosted: Thu Jul 16, 2009 10:01 am   Post subject:   

Quote:
At the same time DMV makes sure to apprise you that you need one.


Someone has pointed out that if I need it, it would surface somewhere along the line. Now, if the DMV, takes more time in informing me, it shouldn't get counted as my fault. Am I right!



Steven
steven
Senior member
Leave a quick message

steven

Joined: 02 Feb 2006
Posts: 1546


215.89 Dollars($)

PostPosted: Fri Jul 17, 2009 3:20 am   Post subject:   

Boy, this thread's lasted a while!



Quote:
Someone has pointed out that if I need it, it would surface somewhere along the line. Now, if the DMV, takes more time in informing me, it shouldn't get counted as my fault. Am I right!




Unfortunately, you aren't right, steven.



To get the SR-22 filed, as you have figured out, an insurer would have to send documents to the state DMV to prove the financial responsibility of the insured. As well, there will be an entry made on the MVR of the driver and possibly the owner of the vehicle involved (depends on state). Onto my point. Every state has a requirement that you inform them within a certain amount of time if you move. Normally, it's 30 days. A lot of people completely ignore this. DMV can only get information to a person at their last known address. You're also supposed to inform your insurer if you move.



Let's say that the state did delay in getting out the information due to some problem of whatever nature. Is it their fault that the problem occurred in the first place? Claiming the lateness in delivery of documents is rarely upheld when used as an affirmative defense- vicarious and pass-through liability cases, which this is. Another thread for that one. You can bet that the state has the correct dates entered into the DMV database. So, what are ya gonna do? Maybe get a sympathetic ear on the phone? That can actually work, rarely, but? Take 'em to court? Right.



So, if you look at the combined sources of information and reporting involved, I would wager that almost every "I didn't know" situation is a direct result of stupidity, ignorance on the part of the parties involved or just plain ignoring the situation hoping it will "go away." Sorry if I step on toes, but that's a life smack upside the head when you operate a vehicle drunk, uninsured or live your driving life in the stupid lane.



InsTeacher Cool
InsTeacher
Forum Expert
Leave a quick message

InsTeacher
Forum Expert

Joined: 13 Aug 2007
Posts: 1398

Location: Oregon, USA
127.26 Dollars($)

PostPosted: Mon Mar 21, 2011 7:32 pm   Post subject: SR22 & DUI  

What about the parents who take their kids to work, probation and classes and such. I know my son should not have been drinking and driving. But now that I just sopke with someone from the Ins Co about SR22 ins, I was told that if he lives in my house where a have registered vehicle I should have it on those as well. I think that is punishing me and I didn't get a DUI??? What is up with that Ins requirement???


_________________
Register Now to have your Insurance queries solved.
southernmom
Guest







PostPosted: Sun Mar 27, 2011 12:03 am   Post subject:   

anyone living in your house of driving age needs to be listed on an auto policy. that's how it is.



however, just because he must be listed doesnt mean he has to be covered. you can list him as an excluded driver.



_________________

Lyles Insurance is an independent agency in Ohio that specializes in high risk car insurance and Ohio SR22 Bonds. We also cover motorcycles, boats, rv's, and motor homes.

http://lylesinsurance.com
lylesinsurance
New member
Leave a quick message



Joined: 28 Dec 2010
Posts: 31

Location: Ohio
3.76 Dollars($)

All times are GMT
Page 1 of 1


Get free auto insurance quote
State Auto Insurance Laws in USA

USA Auto Insurance laws
Ask Community Experts

flash plugin

Quick Links

Must See

Community

Hot topics in forums

Latest in blogs

AmPmInsure on Facebook



Page loaded in 3.996 seconds.