SR22 Car Insurance – Can I Insure a Commercial Vehicle?
Reader question:
I live in Kansas, and I wanted it to know if it’s likely that my employer will still cover me with commercial car insurance while I’m doing business, even though I have an SR22 form for drunk driving?
Nick
That’s a great question, Nick.
First of all, I find it very unlikely that you would even be able to be hired by a job for which you are required to do any more than a completely negligible amount of driving for a good, long time after you were required to file your first SR22 form after a drunk driving conviction. The most common number that I could throw out is ten years, although in many cases a company that requires driving will not hire you ever again after you have been convicted for drunk driving, especially, for example, a trucking job. There is already a big problem with the lack of safety among commercial vehicles on the roads, so employers are more cautious, at least in this area.
Secondly, as to whether or not your employer will insure you if you have an SR22 form filed, I really doubt it. It is possible that this could happen, but it would be entirely the decision of your boss or whoever is in charge of this aspect of your job. If your employer allows you to drive for business reasons under their own vehicle insurance policy, then they are taking on a substantial amount of risk. This could result in a rise in vehicle insurance premiums in the company, and could thus cause problems with your employment.
I would suggest that if you do find yourself in this situation, the best option for you, and most likely the only option that you have available, is for you to go and get a non owners car insurance policy. These types of policies are widely available, cheaper than normal, and will cover any car that you drive but do not own. It would be the perfect option for driving for business reasons if you have an SR22 form, or even if you don’t and your employer simply does not provide insurance.
Cheers,
Fashun Guadarrama.
Is There an Engineer Discount For Car Insurance?
Reader’s question:
I recently got my college degree, and while I was attending school I could get a car insurance discount for having good grades Now that I no longer have grades, though, is there another discount for me?
Craig
Good question, Craig.
This is actually a new area in which car insuranc discounts are being offered. Recent studies have shown that many people’s driving patterns reflect their living patterns as well, as relates to their job, their education, their marriage. For a long time getting married has had a positive effect on people’s car insurance premiums, especially those of men’s, but now the other two categories are seeping into the area of car insurance discounts. You’ll see people getting discounts for being teachers or scientists.
And you can now get a car insurance discount for the degree you have as well. Or at least if you get your car insurance policy with 21st Century Insurance, you can. 21st Century offers discounted car insurance rates for people who have degrees in certain fields. These fields include mathematics, engineering, and chemistry, and pretty much any other degrees that would fall into the same department as those. If you graduated with one of these kinds of degrees, then you can get a car insurance discount from one of these companies.
21st Century is a car insurance company that does business in many states like Texas and Arizona, as well as Washington and Nevada. In all of the states that it operates it gives the option of this discount, which is named the engineering and scientist discount. According to the company’s vice president, this discount can get you as such as thirty percent off on your car insurance premium.’
The reason that people with these degrees are seeing good discounts is because, according to studies, scientists tend to be more meticulous people. Because of this, they pay more attention to their driving as well as to their surroundings.
Cheers,
Fashun Guadarrama.
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