Wednesday, March 24, 2010

California SR22 Insurance


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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.

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Tuesday, March 23, 2010

How to Find SR-22 Auto Insurance in Nevada - Finding Cheap Nevada SR-22 Car Insurance Rates


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If you're wondering how to find SR-22 auto insurance in Nevada, you may be feeling a bit confused. Most drivers are not familiar with the term, or what type of insurance that is. This article will describe what NV SR-22 auto insurance is, give some suggestions of where to find it, and provide free search tools to begin your search for SR-22 car insurance in NV.

Basics Of How To Find Nevada SR-22 Auto Insurance

An SR-22 Nevada auto insurance policy is a form/rider to your insurance policy, typically purchased in combination although it can be purchased separate. A filing for SR-22 is usually required by the DMV after a driver has exhibited high risk tendencies.

Examples of such are DUIs, a string of accidents and/or tickets in a short amount of time, or an accident involving a death. The SR-22 acts than as a guarantee by the insurance company that you have continuous liability coverage. In fact, if your policy lapses the insurance company is required to notify the DMV immediately, which will result in license suspension.

Like many other states, Nevada offers two types of policies: an owner policy and a non-owner policy. Not everyone that requires an SR-22 will own their own vehicle, but they may be driving others vehicle, which would require them to get a non-owners policy.

Where To Find Nevada SR-22 Car Insurance

Many companies offer SR-22 auto insurance in Nevada, although not all are required to do so. There are a few options to consider. If you have an existing policy, check with them to see if they offer this filing. If you do not have current insurance, start comparing different companies to see what will be the best price for you. Finally, certain companies offer an SR-22 filing as a "piggy-back" to your existing insurance.

Compare Nevada SR-22 Auto Insurance Quotes Online

Now that you know how to find SR-22 auto insurance in Nevada, there's no need to delay. Compare SR-22 quotes from many different Nevada auto insurance companies in order to find the best deal on your Nevada car insurance.

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How to Find SR-22 Auto Insurance in Nevada - the search for Nevada SR-22 car insurance prices


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If you're wondering how to find SR-22 auto insurance in Nevada, you may be feeling a bit confused. Most drivers are not familiar with the term, or what type of insurance that is. This article will describe what NV SR-22 auto insurance is, give some suggestions of where to find it, and provide free search tools to begin your search for SR-22 car insurance in NV.

Basics Of How To Find Nevada SR-22 Auto

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Monday, March 22, 2010

California SR22 Insurance


Image : http://www.flickr.com


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.

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Illinois SR22 Auto Insurance - How to Find SR22 Auto Insurance in Illinois


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If your driver's license has been suspended or revoked, you will need to find out how to find SR22 auto insurance in Illinois. The SR22 is not an auto insurance policy, and IL residents who have been ordered to arrange for one need to take certain steps to find it.

What Is An SR22 Anyway?

An SR22 is a type of rider that is added to an IL auto insurance policy. You will need to have one put in place after you have been convicted of a DUI or your license has been suspended for other reasons.

Filing The SR22

To get an SR22, you need to contact your insurance agent to buy liability insurance. Once you have committed to purchasing a policy, ask the agent for an SR22 form. You will need to take the form to the Illinois Department of Motor Vehicles (DMV). This can be done personally.

The idea behind having an SR22 on your record is that drivers who are considered to be a higher risk need to show that they have at least the minimum level of liability coverage on their vehicle. By issuing an SR22, your insurance company is guaranteeing that you will keep this insurance in effect for a specific amount of time.

If your policy is cancelled or revoked, your insurance company is legally obligated to report you to the DMV. If you don't keep your insurance coverage in place and you are required to have an SR22 on your DMV file, your license may be suspended.

Finding Cheap Illinois SR22 Auto Insurance

Do you still have questions about how to find SR22 auto insurance in Illinois? Be sure to compare quotes from at least 5 different companies order to find the best Illinois auto insurance. Speak with an experienced agent who will be able to guide you to the cheapest policy available for your specific situation.

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Tuesday, March 16, 2010

Auto Insurance After a DUI


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Your auto insurance after a DUI will be affected for several years due to the fact that you'll now be classified as 'high risk'. The first major impact you'll see in regards to your auto insurance will be the mandatory requirement that you carry what's referred to as an SR22 insurance policy for 3 years.

The SR22 insurance policy is reserved for DUI drivers when they get their drivers license back and is the highest risk policy an auto insurance company can cover. Not all employers offer this type of auto insurance either and most of the major insurance carriers will likely drop you after your DUI conviction (or whenever they find out about the DUI on your driving record) as they don't insure 'high risk' policies.

To get a high risk policy you'll most likely need to seek out smaller companies that specialize in these types of policies. These smaller companies are set up specifically to provide high risk coverage and charge as you could have guessed a bit more for their services. In some instances your auto insurance after a DUI can be at least 2 or 3 times what a 'regular' policy costs.

The thing to remember about getting auto insurance after a DUI conviction is that there are no laws in effect that regulate the premiums that are charged. What this means is that each company is free to charge whatever prices they want in order to issue you one of these high risk SR22 insurance policies. Knowing this, the best thing you can do is to comparison shop and get quoted on as many policies as you possibly can before deciding on a particular insurance provider.

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Monday, March 15, 2010

How to Find SR-22 Auto Insurance in Nevada - Finding Cheap Nevada SR-22 Car Insurance Rates


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If you're wondering how to find SR-22 auto insurance in Nevada, you may be feeling a bit confused. Most drivers are not familiar with the term, or what type of insurance that is. This article will describe what NV SR-22 auto insurance is, give some suggestions of where to find it, and provide free search tools to begin your search for SR-22 car insurance in NV.

Basics Of How To Find Nevada SR-22 Auto Insurance

An SR-22 Nevada auto insurance policy is a form/rider to your insurance policy, typically purchased in combination although it can be purchased separate. A filing for SR-22 is usually required by the DMV after a driver has exhibited high risk tendencies.

Examples of such are DUIs, a string of accidents and/or tickets in a short amount of time, or an accident involving a death. The SR-22 acts than as a guarantee by the insurance company that you have continuous liability coverage. In fact, if your policy lapses the insurance company is required to notify the DMV immediately, which will result in license suspension.

Like many other states, Nevada offers two types of policies: an owner policy and a non-owner policy. Not everyone that requires an SR-22 will own their own vehicle, but they may be driving others vehicle, which would require them to get a non-owners policy.

Where To Find Nevada SR-22 Car Insurance

Many companies offer SR-22 auto insurance in Nevada, although not all are required to do so. There are a few options to consider. If you have an existing policy, check with them to see if they offer this filing. If you do not have current insurance, start comparing different companies to see what will be the best price for you. Finally, certain companies offer an SR-22 filing as a "piggy-back" to your existing insurance.

Compare Nevada SR-22 Auto Insurance Quotes Online

Now that you know how to find SR-22 auto insurance in Nevada, there's no need to delay. Compare SR-22 quotes from many different Nevada auto insurance companies in order to find the best deal on your Nevada car insurance.

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