If your license has been suspended or revoked you will likely be required to file SR-22 insurance to show proof of financial responsibility. This form is an attachment to an auto insurance policy and costs approximately $25 to add depending on the company you choose.
Yes, the auto insurance policy you are talking about is called a non-owner SR22. This type of auto insurance covers any vehicle you drive but only liability if you cause bodily injury or death. If you own a vehicle you just need to get standard auto insurance for that car. It will save you money if you just insure it for liability coverage versus full coverage.
The cost of car insurance can vary drastically from person to person due to the following factors:
The cost of the SR-22 is usually less than $50 to add to the policy but the underlying reason you need the SR22 is why the insurance could be expensive. Your best option is to get multiple quotes from top insurance companies in your area. Try our FREE Quoting Engine to compare up to 5 different companies now.
If you have been involved in a motor vehicle accident you will be required to complete an SR-13 form. This form is in part due to the Safety Responsibility Act that requires the form is completed in 30 days of the accident.
If the accident is your fault and you have failed to complete the SR-13 form your driver’s license could be suspended.
The state of Alabama requires liability insurance to protect other drivers in the event of an accident. The minimum limits are:
While these limits are minimum they are rarely recommended levels of coverage. Ask your insurance agent what they recommend based on your financial position.
You are prohibited to drive a motor vehicle in Alabama when your blood alcohol concentration reaches the following limits:
When you accept a drivers license the state assumes you have consented to a chemical test of your blood, breath, or urine to determine your blood alcohol concentration. If you refuse this test by the officer your license will be suspended immediately.