85% of the American population is guilty of two or more moving violations in the past 3 years. That rate jumps to 90% when localized just to Alabama. While moving violations may be a result of poor driving education, some people just need to pay more attention to road signs and what they are doing while they are driving. Not only can poor driving result in accidents that may lead to injury, many states are cracking down on poor driving by issuing SR22 auto insurance penalties.
What Is SR22 Auto Insurance And What Purpose Does It Serve
This insurance is a state determined penalty for individuals who continually break their state's motorist laws. After being summoned to court for a series of moving violations, the judge is entitled to issues a penalty term for the defendant to be forced to pay this type of insurance. The sentence can also be handed down if the driver is without auto insurance when being pulled over by the police officer. The terms of the penalty vary, but the offending person must pay the insurance for the length of their term and if at any point they allow their such insurance to lapse, they may be forced to being their term over from the beginning.
SR22 Auto Insurance And Your Auto Insurance Provider
When purchasing insurance for your vehicle; this insurance will often be one of the many different policy options. More often than not, people will think that because of the higher premium rate that SR22 insurance provides more coverage than a cheaper policy. The reality is that it offers the same amount of coverage as another basic policy, but serves as a forced policy requirement by the court room. You will have to find an independent insurance provider, because most typical insurance companies offer this insurance.
Detractors From The SR22 Auto Insurance Penalty
When people find a law to be unjust, they will organize and protest it, listing the reasons they find the legislative policy to be unfair. In the case of the SR22, groups of people around the country think that such a law is not fair to individuals of a lower income socio-economic status. Quite often, whether they are right or wrong, people will choose to not purchase insurance because even the lowest of policy rates will be too high for them and their families to afford. Even though it is not okay for people to be driving around without insurance, these protest groups argue that punishing these offenders by requiring them to pay for an even higher such insurance policy is counter productive. They suggest there may be a better solution than this insurance.
If you do not have insurance and are required to purchase SR22 auto insurance, instead of going through the complicated and time wasting process of calling a number of different insurance companies to find the best quote, you can simply go to http://mobileautoinsurancequotes.org and fill out one application. You will be given twelve quotes and can then find the best policy for yourself.
For an explanation of SR22 auto insurance and how to find the best quote, visit mobileautoinsurancequotes.org
Article Source: http://EzineArticles.com/?expert=Terro_White
Thursday, October 29, 2009
Monday, October 26, 2009
Got a DUI & I Need SR 22 Car Insurance in Georgia
In the United States alone, different states have different laws pertaining to DUI. In Georgia, for example, first and foremost, it is illegal to have an automobile vehicle (even golf carts) without liability insurance coverage. Letting a person without insurance drive the vehicle is also illegal.
The state of Georgia refers to them as mandatory liability coverage. The minimum mandatory liability coverage for Georgia is as follows:
1. One accident, one person physical injuries - $25,000.00
2. One accident, two or more persons physical injuries - $50,000.00
3. One accident, property damage - $25,000.00
In any case, the police officer will ask the driver for proof of mandatory liability coverage. IDs or papers from the insurance company must be presented.
If the insurance has lapsed during time of accident, the Georgia Department of Motor Vehicles shall suspend the vehicle operator's privileges or driving license until insurance has been renewed.
Now with DUI situations, the police officer would need a special kind of auto insurance called SR 22 car insurance or a high-risk auto insurance. This is proof of financial stability of the vehicle operator. It is a guarantee that the driver will keep the minimum insurance coverage for a given time.
SR 22 car insurances are special auto insurance such that the Department of Motor Vehicle and the car insurers classify especially those high-risk drivers that need this high-risk insurance.
High-risk drivers are basically those that exhibit poor driving habits (which can lead to DUI). Demographics such as the gender and age help insurers settle on whether to issue SR 22 car insurance.
SR 22 car insurances have two types of policies-
1. Owner policy - This is the policy for the owner of the motor vehicle. This can be issued with comprehensive coverage and others, of course with additional premiums to pay.
2. Non-owner policy - This is for the operator of the motor vehicle but not necessarily the owner. The car insurance company files the SR 22 and then the Georgia Department of Motor Vehicles also gets a copy. Motorcycles are also covered by the SR 22.
The Georgia Department of Motor Vehicles decide the time table as to which the SR 22 takes effect. All of this is based on the gravity of the infringement. Something like a DUI could take years.
It is very important that the SR 22 is not lapsed. Further penalties can and will be applied to the motor operator if the SR 22 is not renewed.
Faced with a DUI conviction and rising insurance bills? Visit Georgia SR-22 Insurance and find out how you can keep your insurance rates from going sky-high. DUI car insurance is expensive, but you can save on DUI car insurance if you know the secrets.
Article Source: http://EzineArticles.com/?expert=Rose_Basile
The state of Georgia refers to them as mandatory liability coverage. The minimum mandatory liability coverage for Georgia is as follows:
1. One accident, one person physical injuries - $25,000.00
2. One accident, two or more persons physical injuries - $50,000.00
3. One accident, property damage - $25,000.00
In any case, the police officer will ask the driver for proof of mandatory liability coverage. IDs or papers from the insurance company must be presented.
If the insurance has lapsed during time of accident, the Georgia Department of Motor Vehicles shall suspend the vehicle operator's privileges or driving license until insurance has been renewed.
Now with DUI situations, the police officer would need a special kind of auto insurance called SR 22 car insurance or a high-risk auto insurance. This is proof of financial stability of the vehicle operator. It is a guarantee that the driver will keep the minimum insurance coverage for a given time.
SR 22 car insurances are special auto insurance such that the Department of Motor Vehicle and the car insurers classify especially those high-risk drivers that need this high-risk insurance.
High-risk drivers are basically those that exhibit poor driving habits (which can lead to DUI). Demographics such as the gender and age help insurers settle on whether to issue SR 22 car insurance.
SR 22 car insurances have two types of policies-
1. Owner policy - This is the policy for the owner of the motor vehicle. This can be issued with comprehensive coverage and others, of course with additional premiums to pay.
2. Non-owner policy - This is for the operator of the motor vehicle but not necessarily the owner. The car insurance company files the SR 22 and then the Georgia Department of Motor Vehicles also gets a copy. Motorcycles are also covered by the SR 22.
The Georgia Department of Motor Vehicles decide the time table as to which the SR 22 takes effect. All of this is based on the gravity of the infringement. Something like a DUI could take years.
It is very important that the SR 22 is not lapsed. Further penalties can and will be applied to the motor operator if the SR 22 is not renewed.
Faced with a DUI conviction and rising insurance bills? Visit Georgia SR-22 Insurance and find out how you can keep your insurance rates from going sky-high. DUI car insurance is expensive, but you can save on DUI car insurance if you know the secrets.
Article Source: http://EzineArticles.com/?expert=Rose_Basile
Wednesday, October 21, 2009
How to Find the Cheapeast Non-Owner SR22 Insurance
Non-owner SR22 insurance is a customized insurance policy designed for people who do not own their own vehicle, but do occasionally drive someone else's vehicle. Such as a friend's vehicle or a rental car, etc.
Most customers who need an SR22 filing do not have really bad driving records. It is not unheard of to get a DUI when not in your own vehicle and subsequently have no other tickets that appear on your Motor Vehicle Record (MVR). This may sound like a contradiction, but just having a DUI offense and no other tickets can actually help you in getting cheaper non-owner SR22 insurance than if you had a DUI offense and multiple speeding tickets.
Even if you do not own a vehicle, your state will require non-owner SR22 insurance for license reinstatement if you are going to drive someone else's vehicle and a non-owner SR22 Insurance policy will fulfill your states minimum financial liability requirements.
You would want to verify that any vehicle you drive is insured and not rely solely upon your SR22 insurance policy to provide the necessary vehicle coverage. The owner of the vehicle you are driving is required to insure it with his own policy and if you operate that vehicle your non-owners policy would only cover certain liabilities.
For instance, if you were involved in an accident and that accident was your fault, the non-owners insurance you have would only cover the property damage of the persons involved and would only cover the injuries to the other persons involved that were a direct result of that accident. Your non-owners insurance would not cover your own injuries or the damage to the vehicle you were driving, these expenses would be paid out of your own pocket.
I need to stress the importance that these laws will vary from state to state, when applying for Non-Owner SR22 insurance ask your insurance provider exactly what this policy covers and what this policy doesn't cover.
http://www.SR22-insurance-quotes.com extends excellent customer service to all visitors that are looking for free quotes on SR22 insurance coverage in their area. We also provide the latest information about SR22 insurance requirements for your state, as well as some frequently asked questions that you may have about this process.
Article Source: http://EzineArticles.com/?expert=Jay_L.
Most customers who need an SR22 filing do not have really bad driving records. It is not unheard of to get a DUI when not in your own vehicle and subsequently have no other tickets that appear on your Motor Vehicle Record (MVR). This may sound like a contradiction, but just having a DUI offense and no other tickets can actually help you in getting cheaper non-owner SR22 insurance than if you had a DUI offense and multiple speeding tickets.
Even if you do not own a vehicle, your state will require non-owner SR22 insurance for license reinstatement if you are going to drive someone else's vehicle and a non-owner SR22 Insurance policy will fulfill your states minimum financial liability requirements.
You would want to verify that any vehicle you drive is insured and not rely solely upon your SR22 insurance policy to provide the necessary vehicle coverage. The owner of the vehicle you are driving is required to insure it with his own policy and if you operate that vehicle your non-owners policy would only cover certain liabilities.
For instance, if you were involved in an accident and that accident was your fault, the non-owners insurance you have would only cover the property damage of the persons involved and would only cover the injuries to the other persons involved that were a direct result of that accident. Your non-owners insurance would not cover your own injuries or the damage to the vehicle you were driving, these expenses would be paid out of your own pocket.
I need to stress the importance that these laws will vary from state to state, when applying for Non-Owner SR22 insurance ask your insurance provider exactly what this policy covers and what this policy doesn't cover.
http://www.SR22-insurance-quotes.com extends excellent customer service to all visitors that are looking for free quotes on SR22 insurance coverage in their area. We also provide the latest information about SR22 insurance requirements for your state, as well as some frequently asked questions that you may have about this process.
Article Source: http://EzineArticles.com/?expert=Jay_L.
Saturday, October 17, 2009
Why This Lawyer Says You Should Buy Car Insurance From an Independent Broker
I don't sell car insurance, but as a lawyer practicing in the field of personal injury I frequently see people suffer because they have the wrong insurance coverage. Often, this happens because they purchased directly from an insurance company instead of an independent broker.
Many of my clients who have been seriously hurt in a car accident were struck by someone who had no insurance or only the minimum liability insurance coverage, which is $25,000 in New York and much less in many other states. Unfortunately, many of my clients were sold insurance policies with liability limits of $100,000 or $300,000, but were not sold matching uninsured and underinsured coverage.
Just this week, yet another new client had this problem. My client was a pedestrian crossing the street when she was struck by a car which fled the scene. The driver was caught shortly after leaving the accident, but the owner of the car only has the New York State minimum liability insurance of $25,000 and my client has serious injuries consisting of many broken bones including a fractured arm, leg and skull.
My client owns a car with liability insurance limits of $300,000, but she purchased the insurance from GEICO whose salesperson didn't sell her underinsured coverage. GEICO does not use independent insurance brokers, but sells insurance directly to consumers through in-house sales agents.
For a small fee, my client could have purchased underinsured coverage of $300,000 which would have allowed her to recover $300,000 for her injuries instead of $25,000. Ironically, she did not need the $300,000 liability coverage to protect her assets. However, since you cannot buy underinsured coverage higher than your liability coverage, I would have advised her to purchase $300,000 liability coverage for the sole purpose of being able to purchase $300,000 underinsured coverage.
I have had many clients in this situation who lost their jobs because of serious injuries and incurred substantial debt. If they had matching underinsured coverage, the additional money available to pay their claim would would be a big help to pay their bills and get their life back together.
Underinsured motorist coverage will pay you money from your own automobile insurance policy if you have been hurt in a car accident by someone who was negligent for causing your injury and who had less liability insurance coverage than you did. Uninsured motorist coverage will pay you when the other car did not have any insurance coverage or the identity of the other car is unknown.
Underinsured and uninsured coverage is inexpensive and usually available in limits that match your liability insurance coverage. It is not available in amounts greater than your liability insurance coverage.
Underinsured and uninsured coverage is so important that a couple of states now require coverage limits matching your liability insurance limits, unless you decline the coverage in writing. Several years ago, I suggested to several New York State senators that they enact a similar law in New York.
I have also seen many clients who were not sold the maximum medical payments insurance, which costs me only $2.01 per month on my car insurance policy. This is particularly important for people who do not have a good health insurance policy. It is also beneficial for passengers who do not have health insurance.
Why should you buy car insurance through an independent insurance broker? The courts have defined the reason. There have been several "malpractice" lawsuits against insurance companies for failure to offer underinsured and uninsured motorists coverage limits matching the liability limits. However, when the insurance company sells directly to consumers, these cases have gone in favor of the insurance companies. The courts found that when a consumer buys insurance directly from an insurance company, rather than an insurance broker, the consumer is only buying insurance and is not paying for advice.
When you buy auto insurance from an independent insurance broker who represents several different insurance companies, you get the advantage of an insurance professional who can evaluate your needs and advise you accordingly. Additionally, only an independent insurance broker can provide you with a choice of insurance companies and premiums, so you get the best coverage at the lowest price.
Whether you buy your car insurance directly from an insurance company or through an independent insurance broker, always make sure that you purchase matching uninsured and underinsured motorist coverage and the maximum medical payment benefits.
Philip L. Franckel, Esq., is the founder of http://www.HURT911.org an accident and injury research web site for people hurt in an accident and personal injury lawyers. Mr. Franckel also publishes articles on Lawyer Advertising at http://www.Lawyer-Advertising-Blog.com
Article Source: http://EzineArticles.com/?expert=Philip_Franckel
Thursday, October 15, 2009
California SR22 Insurance
A California SR22 insurance policy is a type of auto insurance policy required for California drivers after a DUI related offense by the DMV and the courts. In California it is required for a minimum of 3 years after a drunk driving conviction.
The SR22 policy serves as an agreement between the California Department of Motor Vehicles and the SR22 provider that requires the insurance company to immediately notify the CA DMV should the insurance company not be providing insurance for the driver anymore. This could be due to several reasons:
1. A lapse in coverage. Your California SR22 insurance policy could lapse due to missing a payment or even just being late making a payment.
2. Termination of your coverage. If the insurance company decides that you are too high of a risk due to maybe another accident and/or drunk driving offense.
3. You switch SR22 providers. Yes even if you switch SR22 insurance companies they are still required to file a Notice of Cancellation of California Insurance Proof Certificate, SR26/SR1PF (Rev. 4.91). This will tell the DMV that your relationship with the SR22 provider has ended.
Who Provides California SR22 Insurance?
Typically the larger national auto insurance companies don’t do SR22 policies for two main reasons; first they don’t like to assume the risk that ‘high risk’ policies involve and second they don't want to deal with the extra paperwork and regulations required of insurance companies that handle SR22 insurance policies.
What this means is that you’ll have to seek out smaller companies and insurance brokers who specialize in this type of insurance.
Find the best deals on California SR22 insurance policies with our expert comparison shopping guaranteed to find you the lowest rate possible. You can file online to restore your driving privileges. DUIArrestHelp.com also provides listings to the most aggressive DUI lawyers in the nation as well as national SR22 insurance for other states.
Article Source: http://EzineArticles.com/?expert=Tim_H
Friday, October 2, 2009
How to Find the Cheapeast Non-Owner SR22 Insurance
Non-owner SR22 insurance is a customized insurance policy designed for people who do not own their own vehicle, but do occasionally drive someone else's vehicle. Such as a friend's vehicle or a rental car, etc.
Most customers who need an SR22 filing do not have really bad driving records. It is not unheard of to get a DUI when not in your own vehicle and subsequently have no other tickets that appear on your Motor Vehicle Record (MVR). This may sound like a contradiction, but just having a DUI offense and no other tickets can actually help you in getting cheaper non-owner SR22 insurance than if you had a DUI offense and multiple speeding tickets.
Even if you do not own a vehicle, your state will require non-owner SR22 insurance for license reinstatement if you are going to drive someone else's vehicle and a non-owner SR22 Insurance policy will fulfill your states minimum financial liability requirements.
You would want to verify that any vehicle you drive is insured and not rely solely upon your SR22 insurance policy to provide the necessary vehicle coverage. The owner of the vehicle you are driving is required to insure it with his own policy and if you operate that vehicle your non-owners policy would only cover certain liabilities.
For instance, if you were involved in an accident and that accident was your fault, the non-owners insurance you have would only cover the property damage of the persons involved and would only cover the injuries to the other persons involved that were a direct result of that accident. Your non-owners insurance would not cover your own injuries or the damage to the vehicle you were driving, these expenses would be paid out of your own pocket.
I need to stress the importance that these laws will vary from state to state, when applying for Non-Owner SR22 insurance ask your insurance provider exactly what this policy covers and what this policy doesn't cover.
http://www.SR22-insurance-quotes.com extends excellent customer service to all visitors that are looking for free quotes on SR22 insurance coverage in their area. We also provide the latest information about SR22 insurance requirements for your state, as well as some frequently asked questions that you may have about this process.
Article Source: http://EzineArticles.com/?expert=Jay_L.
Monday, September 28, 2009
California SR22 Insurance
A California SR22 insurance policy is a type of auto insurance policy required for California drivers after a DUI related offense by the DMV and the courts. In California it is required for a minimum of 3 years after a drunk driving conviction.
The SR22 policy serves as an agreement between the California Department of Motor Vehicles and the SR22 provider that requires the insurance company to immediately notify the CA DMV should the insurance company not be providing insurance for the driver anymore. This could be due to several reasons:
1. A lapse in coverage. Your California SR22 insurance policy could lapse due to missing a payment or even just being late making a payment.
2. Termination of your coverage. If the insurance company decides that you are too high of a risk due to maybe another accident and/or drunk driving offense.
3. You switch SR22 providers. Yes even if you switch SR22 insurance companies they are still required to file a Notice of Cancellation of California Insurance Proof Certificate, SR26/SR1PF (Rev. 4.91). This will tell the DMV that your relationship with the SR22 provider has ended.
Who Provides California SR22 Insurance?
Typically the larger national auto insurance companies don’t do SR22 policies for two main reasons; first they don’t like to assume the risk that ‘high risk’ policies involve and second they don't want to deal with the extra paperwork and regulations required of insurance companies that handle SR22 insurance policies.
What this means is that you’ll have to seek out smaller companies and insurance brokers who specialize in this type of insurance.
Find the best deals on California SR22 insurance policies with our expert comparison shopping guaranteed to find you the lowest rate possible. You can file online to restore your driving privileges. DUIArrestHelp.com also provides listings to the most aggressive DUI lawyers in the nation as well as national SR22 insurance for other states.
Article Source: http://EzineArticles.com/?expert=Tim_H
Wednesday, September 16, 2009
SR-22 Information
A Texas SR-22 is a certificate that certifies to the state that you have auto insurance that meets minimum coverage requirements. The company that issues the certificate is also required to notify the state if your coverage lapses.
If your license to drive is suspended or revoked you may need to get an insurance policy that includes the SR22 certificate to restore your license. This can be a problem because many insurance companies will not sell you a policy if your license is not valid. Fortunately some carriers will issue a policy for drivers with a revoked or suspended driver's license.
Just getting a SR-22 will not restore a suspended or revoked license. You need to submit the certificate to a DMV compliance location. You will also need to pay a reinstatement fee that is usually $100 to $125. In some cases the state of a court my impose other requirements.
There are different types of policies that include an SR-22. One option is a non-owners policy. You can use this option to get your certificate if you don't own a vehicle; or you can get this in combination with another policy that doesn't include an SR22. Some carriers offer an SR22 option with a standard policy. Another option would be to get the certificate with a motorcycle. You only need one certificate even if you have multiple vehicles and/or insurance policies in the household.
If you need a Texas SR22 here are some suggestions:
- Deal with an agency that offers this type of policy and is knowledgeable about SR-22's
- Ask about your options for the type of policy and coverage's
- It is advisable to get more than the state minimum for liability coverage
- When you get your SR-22, be sure to pay on time to avoid a lapse. A lapse will usually result in your license being suspended. Then you will need to repeat the reinstate process and pay another reinstatement fee
Article by Glenn Lamb
Lamb Insurance Agency, (Farmers, Bristol West, Foremost, Voyager, and Pacific Insurance) Auto, SR-22 Insurance, Home, Mobile Home, Life, Windstorm and Business Insurance for Texas - Houston SR22 Insurance
Also visit our insurance site at Windstorm Insurance Texas
Article Source: http://EzineArticles.com/?expert=Glenn_Lamb
Tuesday, September 15, 2009
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