California Insurance Proof Certificate
Insurance policy which requires the filling of an SR22 form is often called a SR22 insurance. Your insurance company has to submit this form to the California Department of Motor Vehicles (DMV), if you are required to show a proof of financial responsibility. Its important to know that a copy of your insurance or your insurance card can not replace an SR22 form and will not be accepted by the DMV as a sufficient proof.
The minimum liability insurance requirements in California are:
* $15,000 for injury/death to one person
* $30,000 for injury/death to more than one person
* $5,000 for damage to property
Who needs SR22 Insurance in California?
There are two main reasons why you may be required to file a SR22 form. The first, and most common, is conviction for driving under the influence (DUI) of either alcohol or drugs. The second is for being involved in an accident while driving uninsured.In both cases your driving privilege will be suspended. As you probably know, California has one of the toughest car insurance laws. You will have to participate in a DUI program, but the worse part is that DUI conviction may even mean going to jail. One year without a license is the punishment for driving uninsured.
Maintain a proof of financial responsibility
The period, during which maintaining a proof of financial responsibility is required, is 3 years. You will have to pay a fine in order to get your license reinstated. On top of everything, during this period you will be put in the "high risk" drivers group.SR26 form will be submitted to the DMV if you cancel your insurance or your filling period expires. If you let your insurance lapse during these 3 years and SR26 form is submitted, your license will be suspended by the DMV.
Another important point is that California SR22 insurance is only valid for CA, because SR22 is state specific. Moving to another state will mean that you will need a different policy.
The reality of the situation is that SR22 means higher insurance premiums. That's why it is very important to shop around and find the best deal.
For more information about SR22, please visit:
SR22 Form
SR22 Insurance
Wednesday, 3 March 2010
Friday, 26 February 2010
My buddy Ronny was driving with no insurance
My father James was driving without insurance. I should have never giving him the car.
How often is it that cops check if you have insurance? Its never happened to me, that's for sure.
Of course he will be fined but there is more. Now he needs SR22 to get insured. Don't know what that is exactly myself. Found some articles SR22 Form, SR22 Insurance and SR22 - what is it?.
From what I gather, if he does it again he may go to jail. I know that driving without insurance is illegal, but didn't know that the penalties where that severe.
I could have been even worse if he had an accident or something. May be even drink driving without insurance - doesn't bare thinking about it
I still can't believe he did such an idiotic thing. Definitely the last time I'm giving him my car
How often is it that cops check if you have insurance? Its never happened to me, that's for sure.
Of course he will be fined but there is more. Now he needs SR22 to get insured. Don't know what that is exactly myself. Found some articles SR22 Form, SR22 Insurance and SR22 - what is it?.
From what I gather, if he does it again he may go to jail. I know that driving without insurance is illegal, but didn't know that the penalties where that severe.
I could have been even worse if he had an accident or something. May be even drink driving without insurance - doesn't bare thinking about it
I still can't believe he did such an idiotic thing. Definitely the last time I'm giving him my car
Tuesday, 23 February 2010
Driving with no insurance in Florida is a crime
Driving in the Sunshine State without car insurance? What will happen to you when you get caught? Do you think you don't really need a car insurance just because you are a good driver?
First of all, lets make one thing absolutely clear. In Florida, as in each and every American state, its illegal to drive without insurance.
It is a punishable offence in the eyes of the law and when, not if, you get caught for driving without insurance, you will have to face charges. Regularly, police officers do check drivers' auto insurance policies.
Your driving privilege can be suspended by the Department of Highway Safety and Motor Vehicles for up tothree years or until you provide a proof of Florida auto insurance.
Naturally, suspending your driving privilege is only the tip of the iceberg. In order to reinstate your drivers license, you will have no choice but to pay a fine as well.
You will also need a SR22 Form.
You may be given a penalty between $150 and $500, depending on previous traffic violations.
Apart from the fact that its a punishable offence, driving without vehicle insurance in the state of Florida is a bad idea.
One look at the statistics shows that uninsured drivers are at fault in most serious accidents on the roads of Florida.
Think for a minute, even if you are not caught just yet, it is very possible that you may cause an accident and without having insurance you will most likely have to pay a very large amount of money to cover repairs and medical expenses.
There is no question that many drivers in Florida are uninsured. Especially true now given the state of our economy and people's need to save money.
Saving money is one thing, but when it comes to driving in Florida, there is not really a choice - you must be insured.
Its is much wiser to save money by comparing quotes and finding affordable car insurance in Florida.
Driving without insurance is not worth the risk.
Find more information about driving auto insurance and SR22 insurance
First of all, lets make one thing absolutely clear. In Florida, as in each and every American state, its illegal to drive without insurance.
It is a punishable offence in the eyes of the law and when, not if, you get caught for driving without insurance, you will have to face charges. Regularly, police officers do check drivers' auto insurance policies.
Your driving privilege can be suspended by the Department of Highway Safety and Motor Vehicles for up tothree years or until you provide a proof of Florida auto insurance.
Naturally, suspending your driving privilege is only the tip of the iceberg. In order to reinstate your drivers license, you will have no choice but to pay a fine as well.
You will also need a SR22 Form.
You may be given a penalty between $150 and $500, depending on previous traffic violations.
Apart from the fact that its a punishable offence, driving without vehicle insurance in the state of Florida is a bad idea.
One look at the statistics shows that uninsured drivers are at fault in most serious accidents on the roads of Florida.
Think for a minute, even if you are not caught just yet, it is very possible that you may cause an accident and without having insurance you will most likely have to pay a very large amount of money to cover repairs and medical expenses.
There is no question that many drivers in Florida are uninsured. Especially true now given the state of our economy and people's need to save money.
Saving money is one thing, but when it comes to driving in Florida, there is not really a choice - you must be insured.
Its is much wiser to save money by comparing quotes and finding affordable car insurance in Florida.
Driving without insurance is not worth the risk.
Find more information about driving auto insurance and SR22 insurance
Monday, 22 February 2010
Toyota recall - Will your car insurance premium increase
Have you been affected by the recent Toyota recall. After making sure your car is safe to be on the road, you most likely asking yourself what will this recall do to your car insurance? Will there be an increase to your insurance premium? Is your cover still valid? Does your vehicle cost less as a result of the recall?
Insurance companies say that your policy will not suffer as a result of the recall. Faulty accelerator can cause accidents and if you are in one, your claim will be accepted and paid. The manufacturer will be the one insurance companies seek compensation from. You will have to pay your deductible and you will receive part or all of it back from Toyota.
Insurance companies, including Allstate and State Farm, are reassuring customers they won't have to pay more as a result of the recall.
When your insurance rate is calculated, the type and model of your car plays an important role.Overall, Toyota has a solid reputation for making safe cars and it would be unfair to all Toyota drivers to automatically start paying more.
Without a doubt, the value of your Toyota will go down. But trying to immediately sell it may not be a good idea. Your car may have lost value, but that fact may in fact decrease your insurance.
Wondering how much exactly has your insurance rate actually changed?
Compare auto insurance quotes in Florida now and see for your self.
Related Articles:
SR22 insurance Florida
Driving without insurance in Florida
Insurance companies say that your policy will not suffer as a result of the recall. Faulty accelerator can cause accidents and if you are in one, your claim will be accepted and paid. The manufacturer will be the one insurance companies seek compensation from. You will have to pay your deductible and you will receive part or all of it back from Toyota.
Insurance companies, including Allstate and State Farm, are reassuring customers they won't have to pay more as a result of the recall.
When your insurance rate is calculated, the type and model of your car plays an important role.Overall, Toyota has a solid reputation for making safe cars and it would be unfair to all Toyota drivers to automatically start paying more.
Without a doubt, the value of your Toyota will go down. But trying to immediately sell it may not be a good idea. Your car may have lost value, but that fact may in fact decrease your insurance.
Wondering how much exactly has your insurance rate actually changed?
Compare auto insurance quotes in Florida now and see for your self.
Related Articles:
SR22 insurance Florida
Driving without insurance in Florida
Friday, 18 December 2009
Michigan House Passes Auto Insurance Reform Legislation
An insurance trade group says a bill passed by the Michigan House of Representatives threatens to increase auto
insurance costs and harm the state's job market and economy.
The bill package was introduced earlier
this month and quickly passed through the House Insurance Committee.
PCI maintains that supporters of the proposed auto insurance reforms have greatly misrepresented several critical facts about Michigan's auto insurance marketplace, but lawmakers should be aware of the following:
* Credit-based insurance scoring has been shown to benefit consumers because it allows them to secure lower insurance costs.
* Michigan's annual average auto premium for liability and physical damage coverages combined is 12th highest in the nation – not the highest as supporters of the legislation have claimed.
* In fact, personal auto insurers in Michigan suffered a 10-year underwriting loss of 19.2 percent of earned premiums, while their 10-year operating return resulted in a loss of 2.4 percent of premiums.
* Legislation that could drive businesses out of the state would only lead to a further deterioration of Michigan's economy.
Detroit car insurance quotes
According to Hollowell, Michigan leads the nation in reducing serious vehicle crashes, which are down 54 percent, and Michigan drivers have the highest rate of seat belt use in America: 97.2 percent.
Among other things, the bills will ban unfair credit scoring, offer a low cost policy for the working poor with good driving records, and require insurers to get prior approval before any new rate hikes.
There is reason for optimism that we can find a way to work together, and get something done for the public good.
For more information, visit http://www.michigan.gov/lowerratesnowMichigan House Passes Auto Insurance Reform Legislation
insurance costs and harm the state's job market and economy.
The bill package was introduced earlier
this month and quickly passed through the House Insurance Committee.
PCI maintains that supporters of the proposed auto insurance reforms have greatly misrepresented several critical facts about Michigan's auto insurance marketplace, but lawmakers should be aware of the following:
* Credit-based insurance scoring has been shown to benefit consumers because it allows them to secure lower insurance costs.
* Michigan's annual average auto premium for liability and physical damage coverages combined is 12th highest in the nation – not the highest as supporters of the legislation have claimed.
* In fact, personal auto insurers in Michigan suffered a 10-year underwriting loss of 19.2 percent of earned premiums, while their 10-year operating return resulted in a loss of 2.4 percent of premiums.
* Legislation that could drive businesses out of the state would only lead to a further deterioration of Michigan's economy.
Detroit car insurance quotes
According to Hollowell, Michigan leads the nation in reducing serious vehicle crashes, which are down 54 percent, and Michigan drivers have the highest rate of seat belt use in America: 97.2 percent.
Among other things, the bills will ban unfair credit scoring, offer a low cost policy for the working poor with good driving records, and require insurers to get prior approval before any new rate hikes.
There is reason for optimism that we can find a way to work together, and get something done for the public good.
For more information, visit http://www.michigan.gov/lowerratesnowMichigan House Passes Auto Insurance Reform Legislation
Tuesday, 15 December 2009
15.12.2009 Florida, Atlanta & Detroit
University of South Florida coach Jim Leavitt grabbed a football player by the throat then struck him twice in the face during halftime of the Bulls' Nov. 21 vs. Louisville game, the football player's father, his high school coach and five members of USF's football program told FanHouse.
A South Florida spokesman said the high school could review the affirmation.
"The South Florida University is aware of the story and are going to review the matter promptly," said Michael Hoad, vice president for announcement. "We are committed to securing due process for everyone involved. To secure fairness, the university does not comment during a review."
Florida No Fault Insurance
Atlanta Olympic Park Area
New York City has Times Square. New Orleans is known for the French Quarter, and in San Francisco, camera-toting tourists flock to Fisherman's Wharf.
Now, city leaders in Atlanta hope to add Centennial Olympic Park Area and the increasing roster of museums dotting it to the list of popular urban tourism corridors.
Atlanta Car Insurance
Ford Motor chairman not following Detroit Lions
Detroit Lions Vice Chairman Bill Ford Jr. said Monday that his role with the NFL team has taken a back seat to his duties as Ford Motor Co. presiding. It may be just as well.
Ford was in Washington to meet with President Barack Obama and submit to the Commerce Department a list of recommendations on ways to recovery the economy developed at a Detroit business top.
The younger Ford did speak out about the Lions after they dropped their third game of the 2008 campaign. Talking to reporters after a Detroit Economic Club meeting, he said he was disillusioned in the team's implementation and said fans deserve better.
Detroit Car Insurance Quotes
A South Florida spokesman said the high school could review the affirmation.
"The South Florida University is aware of the story and are going to review the matter promptly," said Michael Hoad, vice president for announcement. "We are committed to securing due process for everyone involved. To secure fairness, the university does not comment during a review."
Florida No Fault Insurance
Atlanta Olympic Park Area
New York City has Times Square. New Orleans is known for the French Quarter, and in San Francisco, camera-toting tourists flock to Fisherman's Wharf.
Now, city leaders in Atlanta hope to add Centennial Olympic Park Area and the increasing roster of museums dotting it to the list of popular urban tourism corridors.
Atlanta Car Insurance
Ford Motor chairman not following Detroit Lions
Detroit Lions Vice Chairman Bill Ford Jr. said Monday that his role with the NFL team has taken a back seat to his duties as Ford Motor Co. presiding. It may be just as well.
Ford was in Washington to meet with President Barack Obama and submit to the Commerce Department a list of recommendations on ways to recovery the economy developed at a Detroit business top.
The younger Ford did speak out about the Lions after they dropped their third game of the 2008 campaign. Talking to reporters after a Detroit Economic Club meeting, he said he was disillusioned in the team's implementation and said fans deserve better.
Detroit Car Insurance Quotes
Monday, 23 November 2009
Save on car insurance
Save on Car Insurance
But there are some steps you can take to help bring down the cost.
If you are buying a car, keep in mind that your choice of vehicle will help determine how much you pay for insurance.
Atlanta Car Insurance Rates
But the premium for the same policy would jump to $803 if he was driving a 2005 Mitsubishi Lancer Evolution.Insurance rates are based on the price of the car, how often that model is stolen and its safety record, says Jeanne Salvatore, senior vice president at the Insurance Information Institute.
State program offers low-cost car insurance
High unemployment in the central San Joaquin Valley is driving fear that more motorists are going without auto insurance because they can't afford it.
Now it's probably even higher because of job losses across the state. In Fresno County, the unemployment rate in September was 14.1%, compared to 9.4% a year ago.
Detroit Car Insurance Quotes
For a family of four, it's $55,125 per year.
California law typically requires motorists to provide proof of insurance coverage amounting to $15,000 per person or $30,000 per accident for bodily injury and $5,000 for property damage.
But for qualifying low-income families, the low-cost insurance program -- offered at $258 per year in Fresno County -- satisfies the state's financial-responsibility law by providing $10,000 of coverage per person or $20,000 per accident for bodily injury and $3,000 for property damage liability.
San Diego Car Insurance Rates
The basic insurance is catching on with motorists. In the first 10 months of 2009, the number of drivers enrolled in Fresno County has more than doubled, from 311 to 707. Similar growth is reported in other Valley counties. But officials say they believe there are thousands of drivers in the Valley who qualify but likely don't know about it.
But there are some steps you can take to help bring down the cost.
If you are buying a car, keep in mind that your choice of vehicle will help determine how much you pay for insurance.
Atlanta Car Insurance Rates
But the premium for the same policy would jump to $803 if he was driving a 2005 Mitsubishi Lancer Evolution.Insurance rates are based on the price of the car, how often that model is stolen and its safety record, says Jeanne Salvatore, senior vice president at the Insurance Information Institute.
State program offers low-cost car insurance
High unemployment in the central San Joaquin Valley is driving fear that more motorists are going without auto insurance because they can't afford it.
Now it's probably even higher because of job losses across the state. In Fresno County, the unemployment rate in September was 14.1%, compared to 9.4% a year ago.
Detroit Car Insurance Quotes
For a family of four, it's $55,125 per year.
California law typically requires motorists to provide proof of insurance coverage amounting to $15,000 per person or $30,000 per accident for bodily injury and $5,000 for property damage.
But for qualifying low-income families, the low-cost insurance program -- offered at $258 per year in Fresno County -- satisfies the state's financial-responsibility law by providing $10,000 of coverage per person or $20,000 per accident for bodily injury and $3,000 for property damage liability.
San Diego Car Insurance Rates
The basic insurance is catching on with motorists. In the first 10 months of 2009, the number of drivers enrolled in Fresno County has more than doubled, from 311 to 707. Similar growth is reported in other Valley counties. But officials say they believe there are thousands of drivers in the Valley who qualify but likely don't know about it.
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