Birmingham, Alabama SR22 Insurancesr22-insurance-policies.com


An Alabama certificate of financial responsibility, commonly referred to as 
Alabama SR22 insurance, is a document filed by an insurance provider, which serves as proof to the Birmingham, Alabama Department of Revenue that you have purchased the state mandated liability insurance limits.

The SR22 Form by itself is not an actual insurance policy, but an attachment on an auto insurance policy, a non-owner auto insurance policy, or motorcycle policy.

When the state of Alabama has ordered you to carry Alabama SR22 Insurance in order to get your driver's license reinstated you must show proof  that you have purchased this liability coverage.  The court decides whether you need Alabama SR-22 insurance based on your driving record or other legal issues, and for how long.  Depending on your situation, it could be between 3-5 years. The insurance provider is also legally obligated to notify the state when an Alabama SR22 insurance policy cancels or lapses, this is referred to as an SR26.

It is essential that anyone who has been ordered to have Alabama SR-22 Insurance, that lives in Birmingham, keep the policy in place without any lapses.  If a lapse or cancellation of the policy occurs, your drivers license is suspended immediately.


Birmingham, Alabama Liability Insurance

Legal liability limits are 25/50/25:

$25,000 for bodily injury to 1 person
$50,000 for bodily injury to 2 or more people
$25,000 for property damage


Types of Birmingham, AL SR22 Insurance Policies

1) Alabama Owner policy - A standard auto insurance policy on a vehicle titled in your name with the state of Alabama, with an SR-22 certificate of financial responsibility attached.

2) Non-owner Insurance or Operator Only policy - An insurance policy which covers a driver, not a specific vehicle.  This means, it gives liability insurance to you (the named insured) when you are driving a friend or neighbors car.  This coverage is only used if the liability limits on the vehicle policy have been exceeded.  It does not cover any vehicle you own or any vehicle in the same household. Typically, non-owner SR22 policies are a cheaper option for getting your driver's license reinstated.

3) Alabama Motorcycle policy - A standard motorcycle insurance policy with the state legal  liability limits with an SR-22 certificate of financial responsibility attachment.  Not all carriers sell this type of motorcycle policy.


In the city of Birmingham, AL the following violations require Alabama SR-22 Insurance:
*Please note this is not a complete list, please contact the state of AL for a list of all violations:

• DUI / DWI - BAC over Alabama's legal limit of .08
• Serious moving violations, e.g. reckless driving, speeding
• Failure to provide valid proof of insurance or providing false documents
• Driving on suspended or revoked license
• Excessive tickets
• Unpaid legal judgments
• Failure to pay child support


Birmingham, Alabama SR22 Insurance must be purchased from a licensed insurance provider.  Wessell Insurance Services. LLC has helped thousands of people get their driver's license reinstated. We offer great rates and can get your policy issued and your Alabama SR22 filing done the same day.


Cost of SR22 Insurance in Birmingham


The cost of SR22 insurance in Birmingham is determined the same way a traditional auto policy is determined.  The insurance carrier uses statistical data to determine risk.  The higher the risk the higher the premium, the lower the risk the lower the premium.  Things that are used to calculate these risks are; age, gender, marital status, zip code, number of accidents reported in that zip code, crime rate in zip code, etc.  All of these things play a part in determining premium.  Call SR22-Insurance-Policies.com at 1-866-663-7561 to find out how much your AL SR 22 will be or request an online quote.  The best advice we can give you is Don't Over Pay, call us to get the cheapest AL SR22 insurance.

When requesting SR22 insurance quotes it's important to take advantage of every discount you can get.  A few common discounts are being a homeowner, being married and having a continuous liability insurance policy for the past six months.  These are only a few discounts, you may qualify for others, talk to your agent when requesting a quote.





We provide Cheap SR22 Insurance To Birmingham and The Entire State of Alabama, Including:

Birmingham
Montgomery
Mobile
Huntsville
Tuscaloosa
Hoover
Dothan
Decatur
Auburn
Madison
Florence
Gadsden
Vestavia Hills
Prattville
Phenix City
Alabaster
Bessemer
Enterprise
Opelika
Homewood
Northport
Annistom
Prichard
Athens
Daphne
Pelham
Oxford
Albertville
Selma
Mountain Brook
Trussville
Troy
Center Point
Helena
Hueytown
Talladega
Fairhope
Ozark
Alexander City
Cullman
Scottsboro
Millbrook
Foley
Jasper
Hartselle
Fort Payne
Gardendale
Saraland
Muscle Shoals
Eufaula
Sylacauga
Pell City
Jacksonville
Irondale
Leeds
Moody
Calera
Fairfield
Atmore
Chelsea
Pleasant Grove
Tuskegee
Russellville
Gulf Shores


 

 
  Insurance Products


  Auto Insurance
  SR22 Insurance
  Non-Owner Insurance
  Truck Insurance
  Motorcycle Insurance
  ATV Insurance
  Broad Form Insurance
  Golf Cart Insurance

States We Work In:


  Alabama
  Arizona
  California
  Colorado
  Florida
  Idaho
  Illinois
  Indiana
  Iowa
  Kansas
  Maine
  Michigan
  Minnesota


  Mississippi
  Missouri
  Nebraska
  Nevada
  North Carolina
  Ohio
  Oregon
  South Carolina  
  Tennessee
  Texas
  Utah
  Vermont
  Virginia
  Washington
  Wisconsin

 



Wessell Insurance Services, llc

1676 Bryan Road, #103
O'Fallon, MO 63368

Toll Free: 866-663-7561
Local: 636-614-4125
Email: Info@sr22-insurance-policies.com

Insurance Products


Auto 
Non-Owner Auto
SR22 
FR44
Broad Form 
Motorcycle 
Commercial Auto

Home

About Us

Blog

Contact Us

Free Quote