Using the internet to buy insurance can save both time and money but the buyer must take time to understand the different products and coverages they are considering. Working with an Insurance Broker or Independent Agent who can give you several options from competing companies will reduce the number of searches to find the best price for your situation.

When shopping for an SR22 Insurance policy you may want to look at a non owners policy, if you are currently happy with your existing Insurance and your current Insurer is not canceling your policy. The non owner policy will satisfy the State DMV. However, it will not cover you if you are driving a car you or your spouse owns but will follow you when driving other peoples vehicles and is secondary over any other Insurance. For example, if you were to borrow your friends vehicle and were involved in an accident your friends Insurance would pay first and the non owner policy would pay second if the other policy had reached its liability limits. As this type of policy can only pay out after some other policy has been exhausted. It is priced at very affordable rates due to reduced exposure to the carrier. Typically the rates can be as much as 50% lower than owner policies.

Do not consider such a policy if you are driving a vehicle that has no primary Insurance as the non owner policy will not pay any first dollar coverage. The only thing that’s worse than having an accident is having an accident with an Insurance policy that will not pay because you did not understand what you were buying.

In closing, if you own a car and it is not insured do not buy the non owner policy to save money buy an owner policy on that vehicle and get the coverage you are paying for.

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Theresa Elford is a licensed property and casualty insurance broker in Redding California and has been in the non standard auto insurance field for over 20 years specializing in sr22 insurance. You can find more information at her website http://e-sr22filing.com

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An SR22 insurance filing is a requirement by the Department of Motor Vehicles of most states (except the states of Pennsylvania, Minnesota, Oklahoma, Kentucky, New Mexico, and Delaware) to get a suspended or revoked driver’s license reinstated after the suspension or revocation has ended.

All states require drivers to carry mandatory liability coverage, but an SR22 is beyond that as it is looked upon as being punishment or a fine for high-risk driving behavior, and the steep premiums for this coverage reflect this fact.

An individual’s driving privileges may have been suspended or revoked due to a number of reasons such as: an accumulation of points accessed for moving violations–speeding, failure to stop at stop signs, driving without insurance, driving without a valid driver’s license, failure to appear–unpaid traffic ticket (in which case there’s a bench warrant out on you), running a red light, DWI or DUI, refusing to take an alcohol or drug test,and the non-moving violation of failure to pay child support.

To purchase this type of coverage you contact your insurance agent or an insurance company, and they make the necessary filing certificate directly to the Department of Motor Vehicles. This filing by an insurance company states that the company has issued liability coverage for the individual, and that the insurance company will notify the proper authorities if the policy is canceled, terminated, or lapses.

If your suspension or revocation period has not terminated, but you need to operate a motor vehicle in connection with your business, occupation, or employment, most states have provisions where you can apply to the Department of Motor Vehicles for a Hardship or Limited Driving Privilege,LDP. You must submit a copy of your SR22 certificate when you apply.

You may get Limited Driving Privileges unless you have certain violations or losses of driving privilege on your driving record. Some violations are so serious that a LDP may not be granted–conviction or losses such as: conviction for leaving the scene of a motor vehicle accident, or two or more revocations for refusal to take a Breathalyzer or blood test, using a motor vehicle in the commission of a felony.

Your application will be reviewed, usually within 5 to 7 days, and an order granting or denying your Limited Driving Privileges or Hardship Driving Privileges will be mailed to you.

Be advised that the granting of LDP cannot be used for shopping, post office errands, recreational activities, picking up grandma or grandpa from the doctor, trips to the grocery store or pharmacy, picking up kids from school or babysitter’s, or other trips. While your license is under suspension or revocation, the authorities don’t want you behind the wheel of a car except for the limited purpose of going to work and from work.

You must maintain file and maintain proof of liability insurance SR22 for two years from the date of your suspension or revocation. The above are the basics or generalities. Each jurisdiction is different, for the specifics check your state’s motor vehicle laws.

Respectfully submitted by Idaline Hall. For more useful insider secrets you might find interesting in the areas of home, relationships, health & fitness, anti-aging, business, money and employment, sports and recreation, natural and alternative healing, visit: http://QuickHelpTips.com

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Joseph

Houston Texas

Shop for insurance first. But at the end of the day, price is always the deciding factor in buying something. But it does not necessarily mean that a very low insurance quote means that is the best car insurance quote already. Following are some factors that should consider when deciding on a car insurance plan in Houston Texas.

It should meet the minimum requirements set by the state you live in. In Texas the minimum requirement for car insurance policy plan is 25/50/25. The first two numbers refer to required minimum bodily injury liability limits, and the third number refers to required minimum property damage coverage. You should get a car insurance policy that has a minimum coverage of $25,000 per person injured in any one accident and $50,000 for all persons injured in any one accident, and $25,000 for injury to or damage of property of others in any one accident.

Basic car insurance is composed of:

Bodily Injury Liability – this refers to the coverage that pays for damage you have done to others.

Property Damage Liability – this refers to the coverage that pays for damage on properties caused by you.
The above 2 are required by all states though required coverage amount varies from one state to another.

Personal Injury Protection – this covers the policyholder’s medical expenses and lost wages, including the passengers injured in the event of accident. Some 16 states required this coverage.

Collision – this pays to repair your vehicle in any kind of accident.

Comprehensive – this covers you in the event natural disaster or theft.

Uninsured/Underinsured Motorist Coverage – this will cover you when you would be hit by uninsured or underinsured motorist.

The ideal Houston car insurance policy should have all different type of coverage mentioned above. So a best car insurance quote should be able to include all those mentioned above at an affordable rate.

But if it comes too expensive to you, you can just get an insurance policy that meets your states minimum required coverage. Now, your factor for a best car insurance quote is something that can provide you with the minimum state requirement at a minimal cost.

How do I read my insurance policy?

Fran

Spring, TX.

Fran,

Wherever you live in the United States, you should carry auto insurance. Most states require it, along with minimum coverage levels you must buy. In states that don’t require auto insurance, you must show that you have enough assets in case you cause an accident, and if you don’t have enough assets you then have to buy auto insurance.

 However, the state minimum is not necessarily “adequate.” The Insurance Information Institute recommends you carry $100,000 of bodily injury protection per person and $300,000 per accident.

 How to read liability limits

 Here’s how to read the following table of liability minimums.

 First number: bodily injury liability maximum for one person injured in an accident.

 Second number: bodily injury liability maximum for all injuries in one accident.

 Third number: property damage liability maximum for one accident.

 Thus, in Alabama, for example, the minimum liability limits are $20,000 for injury liability for one person in an accident, $40,000 for all injuries in an accident, and $10,000 for property damage in an accident.

 What is no-fault?

 If your state has a “no-fault” auto insurance law, your auto policy must pay medical bills for you and your passengers regardless of who caused the accident. No-fault laws are intended to keep insurance fraud down.

State Liability required? Liability minimums (in thousands of dollars) PIP required? No-fault state? Uninsured motorist coverage required?

Alabama Yes, 25/50/25 No No No

Alaska Yes, 50/100/25 No No No

Arizona Yes, 15/30/10 No No No

Arkansas Yes, 25/50/25 Yes No No

California (1)  Yes, 15/30/5 No No No

Colorado Yes, 25/50/15 No No No

Connecticut Yes, 20/40/10 No No Yes

Delaware Yes, 15/30/10 Yes No  No

Florida (2)  No, 10/20/10 Yes Yes No

Georgia Yes, 25/50/25 No No No

Hawaii Yes, 20/40/10 Yes Yes No

Idaho Yes, 25/50/15 No No No

Illinois Yes, 20/40/15 No No Yes

Indiana Yes, 25/50/10 No No No

Iowa Yes, 20/40/15 No No No

Kansas Yes, 25/50/10 Yes Yes Yes

Kentucky Yes, 25/50/10 Yes Yes No

Louisiana Yes, 10/20/10 No No No

Maine (3) Yes, 50/100/25 No No Yes

Maryland (4) Yes, 20/40/15 Yes No Yes

Massachusetts Yes, 20/40/5 Yes Yes Yes

Michigan Yes, 20/40/10 Yes Yes No

Minnesota Yes, 30/60/10 Yes Yes Yes

Mississippi Yes, 25/50/25 No No No

Missouri Yes, 25/50/10 No No Yes

Montana Yes, 25/50/10 No No No

Nebraska Yes, 25/50/25 No No No

Nevada Yes, 15/30/10 No No No

New Hampshire No, 25/50/25 No No Yes

New Jersey (5) Yes, 15/30/5 Yes Yes Yes

New Mexico Yes, 25/50/10 No No No

New York (6)  Yes, 25/50/10 Yes Yes Yes

North Carolina Yes, 30/60/25 No No No

North Dakota Yes, 25/50/25 Yes Yes Yes

Ohio Yes, 12.5/25/7.5 No No No

Oklahoma Yes, 25/50/25 No No No

Oregon Yes, 25/50/10 Yes No Yes

Pennsylvania Yes, 15/30/5 Yes Yes No

Rhode Island (2) Yes, 25/50/25 No No Yes

South Carolina Yes, 25/50/25 No No Yes

South Dakota Yes, 25/50/25 No No Yes

Tennessee (2) Yes, 25/50/10 No No No

Texas Yes, 25/50/25 No No No

Utah (2) Yes, 25/50/15 Yes Yes No

Vermont Yes, 25/50/10 No No Yes

Virginia Yes, 25/50/20 Yes No Yes

Washington Yes, 25/50/10 No No No

Washington D.C. Yes, 25/50/10 No No Yes

West Virginia Yes, 20/40/10 No No Yes

Wisconsin No, 25/50/10 No No Yes

Wyoming Yes, 25/50/20 No No No

Hope this help you with your answer.

Great Question.