When Do I Need SR22 Car Insurance in Arizona
Reader’s Question:
I registered my car in Arizona but they told me that I had to have an sr22 because of my lapse in car insurance. I thought sr22 in only used for dui or traffic violations. Do I really need an sr22 for insurance lapse?
Andrea
Chandler, AZ
It is possible to require an sr22 for insurance lapse in Arizona. Sometimes, an sr22 is required as a result of a DUI or multiple moving violations. in Arizona, however, the state is notified by your old insurance provider if your insurance policy is no longer active. The state will then send you a notice for you to give them proof of your car insurance policy. If you fail to show this proof your driver’s license and/or your registration will be suspended in Arizona. To reinstate your license, Arizona will require you to carry a sr22 form for three years from your suspension date. To more information about the rules of the Arizona Department of Insurance, you may contact them.
Will My Car Insurance Company Replace My Windshield?
Reader’s Question:
Is it true that insurance companies are required to replaced damaged windshields of their customers?
Ryan
Thank you for asking Ryan.
You need comprehensive coverage or full glass coverage, both optional coverages, on your car in so for your windshield to be covered by your auto insurance in Arizona.
Usually comprehensive insurance is sold with a $250 to $1,000 deductible in Arizona. All insurance companies are required to offer full glass coverage which comes without a deductible.
Comprehensive insurance will reimburse you if your windshield is cracked or shattered and glass coverage is available without a deductible. However, you need to have one of these types of insurance on your car in able to get your windshield repaired or replaced by putting a claim through your insurance provider. If you only have the liability it will not allow you to place a claim for glass damages on you own vehicle.
Goodluck!
MariCAR
How Many Points Will I Get For Arizona Speeding Ticket?
Reader’s Question:
How many points will be assessed for a speeding ticket (14 miles over limit) in my Arizona record? Will this increase my insurance rate?
Leo
Thank you for asking Leo.
Moving violations in Arizona points range from 2 to 8 points depending upon the gravity of the offense. Speeding is listed as a 3 point offense by the AZ Department of Transportation. This violation point list does not state how much over the speed limit this point amount is for so would appear it is 3 points on an AZ license for any speeding ticket.
It actually depends on your insurance company’s rating system if the speeding ticket that you received in Arizona will increase your insurance rate after one offense. To get more information about your insurance provider’s rating system regarding traffic violations, you may contact your insurance carrier or the Arizona Department of Insurance which whom insurance providers must file their rates with.
Goodluck!
MariCAR
Will Liability Car Insurance Cover Uninsured Motorist Damage
Reader’s Question:
I was hit by uninsured driver and I have a liability coverage on my car and uninsured motorist coverage. Will this cover the damage to my car?
George
Thank you for asking George.
In Arizona, uninsured motorist is for bodily damages. Typically an uninsured motorist (UMBI) in Arizona policy will typically pay for medical expenses, lost wages, and pain and suffering caused by an uninsured motorist, hit and run driver or a miss and run driver.
In addition to that, uninsured motorist will pay for these coverages to you, and/or your family members who live with you and passengers in your car. The damages to your vehicle or other property will not be covered by this . You would need collision coverage on your car to get your property damage covered by your insurance provider.
Uninsured motorist property damage is not available in all states with including the state of Arizona. Only UM bodily injury is available so this must be the type of coverage that you have.
Goodluck!
MariCAR
Do I Have To Get SR22 Auto Insurance For Lapsed Policy?
Reader’s Question:
I was required to have an sr22 because they said there is a lapse on my car insurance. I thought sr22 are for DUIs? I live in AZ.
Kelly
Thank you for asking Kelly.
It is possible to need a sr22 for insurance lapse in the state of Arizona. Usually, the sr22 is required as a by-product of a DUI or multiple moving violations. But, in Arizona, the state is notified by your old insurance provider if your insurance policy is no longer active. At that point, the state will send you a notification for you to give them proof of your car insurance. Failure to provide this proof Arizona will suspend your driver’s license and/or your plate registration. To reinstate these items, Arizona will require you to maintain an sr22 form for a period of three years from your suspension date. To get more information regarding this, you may contact the Arizona Department of Insurance.
Goodluck!
MariCAR
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