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Lori W | SR-22 Question....Personal Experience Please!!!? |
Can I have full coverage insurance with one company and then do my sr-22 with another company or does it all have to be on one policy??? |
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blb
|
It all should be on one policy. If you did do it the way you describe you would be paying for two separate insurance policies. Who would want to pay twice?? It really doesn't make any sense.
Contact Progressive for a price. |
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vicki71
 |
Both myself and my husband have to carry SR-22 bonds here in Ohio. I found out after checking to do the same thing you were suggesting that I would end up paying more than twice the amount for one policy. We have 3 vehicles and 1 motor cycle covered and both SR-22s We pay 97.99 per month, of course that is just liablity because ours are paid off and that is just for the cars , the bike is seperat and that is an addtional 230 per year! For us to have it as you discribed we would have been paying 231. and some change PER month! was not worth it! and that was just liablity!
Good luck! I found the best rates at :
www.thegeneral.com |
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Carlos M
 |
From personal experience and from what I understood. An SR-22 goes on your record. You have to notify it your vehicle insurance company, then your rates may increase.
Basically, what happened to me.. I had to tell my insurance company, then my rates increased significantly but not outrageously. I had to keep non-interrupted coverage with my insurance company for one full year. If my coverage became interrupted meaning stopped, my driver's license was at risk of becoming revoked.
Your vehicle insurance company will keep in touch with the secretary of state I believe and inform them of your insurance coverage throughout that year. After completion of that, you will have to let your new insurance companies know about your previous SR-22 which may put you at a higher premium. But if you don't mention it, I am sure they will find out when they look up your record.
Hope that helps.
The only thing I can tell you is to have insurance that you can afford to have un-interrupted for one year, if you have to shop around for insurance, do so as long as it doesn't make you struggle, and be a good driver. |
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mbrcatz
 |
Well, yes you CAN, HOWEVER, why ever would you want to? It will cost you TWICE AS MUCH!!
You see, the SR-22 is a LIABILITY filing. Whatever the violation that requires the filing, it's going to put you in a high risk category. So if you go to one company for the SR-22 filing, they're going to sell you liability coverage, and surcharge it for your violation, then surcharge you for the SR-22.
Then you go to the second company, and YOU BUY LIABILITY COVERAGE AGAIN. But wait, you're paing your violation surcharge AGAIN, and you're ALSO paying it on your collision and comprehensive.
Ug, it's NOT going to be cheaper than just getting everything on one policy. Honest. |
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Ponzi
 |
one policy |
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♥ Uwish ♥
 |
You can have a split policy.
Contact your agent
you have have SR22- which is state mandated liability insurance with one company and then you can carry your full coverages (comprehensive and collision) with another company. |
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