Car insurance is a necessity in our society, and it goes without saying that you need to insure yourself and your vehicle when you are on the road. It is the law. However, while finding an auto insurance policy might seem simple, sometimes finding inexpensive insurance is not.
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Basic car insurance called Limited Tort insurance, is cheap insurance that covers only the basics and is, in most cases, just barely enough to keep a car street legal.
This limited amount pays for medical insurance and property damages. Any type of damages that could be covered under liability insurance are not recoverable with limited tort insurance.
Liability policies offer coverage for damages not insured by your basic insurance policy, for example, pain and suffering. In other cases, a separate policy is needed to cover damages incurred by uninsured drivers.
Full coverage is another type of policy that covers almost everything including liability, property damage, bodily harm, uninsured, underinsured and more, but it is typically more expensive.
While each state has its own version of an SR-22, they are all essentially the same, and must be carried with the driver. SR-22 forms are usually used when those who have been in collisions did not have the necessary insurance card with them at the time.
In some cases, such as when a driver is pulled over for speeding or other traffic infractions, a warning is given and the driver must produce an SR-22 within 24 or 48 hours It is not a simple matter to get this form within the required time and it can mean a serious headache for an unprepared driver.
To combat both the high priced policies and the lack of cheap insurance, auto insurance companies have online brokers to assist any driver with their needs. These brokers cater to the need of each specific customer and they are certified by the state.