Your Insurance Questions Answered

Most standard policies exclude racing or competition use; special coverage may be available.

Coverage for rental powersport vehicles typically requires additional endorsement.

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

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

Coverage for original manufacturer parts may require specific endorsement.

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

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

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

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

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.

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

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

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

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

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.

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

Expect significant premium increases due to high-risk classification.

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

It's relatively inexpensive, often $150-300 annually for $1 million coverage, with each additional million costing less.