Kate Hudson : Is it possible to get a SR22 without buying car insurance?

SR22 form without car insurance.
Response : SR 22 form is required when you have got involved in drunk driving or a very big auto accident. This is a financial responsiblity. You know that most states require car owners to buy a minimum amount of bodily injury and property damage liability insurance before they can legally drive their cars. All states have financial responsibility laws. This means that people involved in an automobile accident will be required to furnish proof of financial responsibility up to certain minimum dollar limits. To comply with financial responsibility laws, most drivers purchase automobile liability insurance.

You can buy a non-owners liability SR22 policy if you do not own a vehicle. Otherwise, you can make an SR22 filing in conjunction with your current or new auto insurance policy.

Sr22 form is sold by insurance companies and the best insurance companies who will give you affordable sr22 quotes, would be from the speciality insurance companies. The key again here is it pays to shop for sr22 online. You will get affordable or low sr22 forms or sr22 quotes.

Ben : What is SR22? Can fatigue driving be considered high risk driving?

Response : Ben, Let me tell you that SR22 is a form which shows that the person has isn’t a type of insurance, but rather proof that you have certain types of insurance. This is based upon the financial responsibility laws that are prevailing in the state where the person lives. Secondly SR22 car insurance is required financial responsibility when you are involved in a car accident and have insufficient limits as per the state requirement or you are convicted for drunk driving.

Fatigue driving is done by most of us virtually at some time or the other. To discourage the fatigue driving, usually fleet drivers have to maintain a log and show that they have not done a stressful driving. When a person is involved in a car accident repeatedly to fatigue driving, the insurance companies would qualify them as high risk drivers or high risk as per their insurance. Once you face such a situation than it would be best to go and take a quote from the specialty insurers.

NHTSA statistics show that at least 100,000 crashes and 1,500 deaths each year are the result of drivers falling asleep at the wheel. The National Sleep foundation also conducted a survey which should that 100 million drivers, close to half of American adult drivers, drive while drowsy and nearly two out of ten admitted to having fallen asleep at the wheel. This survey was conducted in 2002. New Jersey has taken very strict measures for this and has passed a law in 2003 that equates falling asleep at the wheel with reckless driving. In this state if a driver falls asleep and kills someone in a crash, he or she can be charged with vehicular homicide and serve up to ten years in jail and pay fines. Four other states have considered this legislation but have not passed such laws.
Thanks.
Kamlesh