My friend received a DUI and wants to get her license back. She said that she needs to get an SR22 insurance. We are just wondering how he can get an SR22 insurance if she does not have a car? She lives in Ohio.

Jim

Akron, OH

Your friend will need to get an SR22 non owners insurance if she does not have a car in her household.

If the state of Ohio requires an SR22 auto insurance certificate to have her drivers license reinstated, she will need to get this and maintain it even if she does not have a car. Normally if you own a vehicle you acquire the required liability coverages and SR22 filing on the automobile(s) you own. If your friend does not own a vehicle then you acquire a non-owners policy which is still the required coverages plus she needs to get the SR-22 filed with the state of Ohio as mandated there is just no vehicle to list on the policy.

An SR22 non-owners insurance generally permits the named insure to drive any car that they are given permission to operate by the automobile owner, unless the car is owned by a household member.

My vehicle is paid off and I only have a liability auto insurance in Cincinnati, OH. What if a tornado hits and damages my vehicle, Will my insurance cover any damages? Thank you

Jennifer

Cincinnati, OH

Unfortunately no, your liability only auto insurance coverage in Cincinnati, OH will not cover your car if it is damaged from a tornado.

Liability coverages as part of your car insurance only covers those that you may damage; this type of coverage provides no coverage to your car in any way. Bodily injury and Property Damage liability coverages are the minimum types of coverages that the state require.

With only liability insurance you don’t have any coverages that will protect your car, only those that you may harm when you are driving your vehicle. So your auto insurance carrier would not be able to accept a car insurance claim to repair your car after a tornado caused damage to it.

Always remember that if a tornado is on the way and your state is already under a storm warning then insurance carriers will not offer physical damage coverages to be bought during that time. If you want to have comprehensive on your car you will need to do so before the hurricane is approaching and your area in Cincinnati, Ohio is under a warning.

How do I make an accident claim with my insurance company in Dayton, OH?

Fernando

Dayton, OH

If get involved in an accident where your car has sustained damage you can make a claim with your insurance carrier if you have physical damage coverages, meaning comprehensive and collision. If you have been in an accident the claim would normally go under your collision coverage and therefore the deductible associated with this coverage would be due.

To make an accident claim you will have to contact the claims department of the insurance carrier you are making the claim with. Your car insurance carrier will likely take your statement and want to get the information about the accident. If it is your own insurance company in Dayton Ohio they will also want to know if another car was involved and will be making a claim against your liability coverages.