Your Insurance Questions Answered

Reduced coverage during storage periods, maintaining comprehensive coverage while suspending collision.

Coverage for rental powersport vehicles typically requires additional endorsement.

Optional coverage for personal items carried on or with the powersport vehicle.

Standard liability typically covers individual incidents; special coverage may be needed for organized events.

Coverage for original manufacturer parts may require specific endorsement.

Typically 3 years, but varies by state and violation type. Some cases require longer periods.

Coverage based on predetermined vehicle value, important for custom or vintage vehicles.

Lenders typically require comprehensive and collision coverage until loan is paid.

Many policies include limited coverage for safety equipment; higher limits available.

Claims can impact rates and eligibility for certain coverages or discounts.

It's not insurance but a certificate proving financial responsibility, often required after serious driving violations.

Guest passenger liability coverage is often optional and must be specifically added.

Common triggers include DUI, driving without insurance, multiple violations, and license suspension.

Yes, non-owner SR-22 policies available for those who don't own vehicles but need certification.

Filing fees are minimal ($15-25), but insurance rates increase substantially due to high-risk status.

Coverage lapse results in immediate notification to DMV and possible license suspension.

Most states honor SR-22 from original state, but requirements and duration may vary.

Most insurers file electronically within 24-48 hours of policy purchase.

Other household drivers aren't directly affected but may face higher rates on shared policies.

Varies by state but typically requires meeting or exceeding state minimum liability requirements.

Yes, but new insurer must file new SR-22 before canceling old policy to avoid lapse.

Expect significant premium increases due to high-risk classification.

File removal request with DMV; insurance rates may gradually decrease with good driving.

Generally no, must maintain for full required period even with clean driving record.