California Insurance Proof Certificate
Generally speaking, a policy is referred to as SR22 insurance when an SR22 Form needs to be submitted. Your insurance company has to submit this form to the California Department of Motor Vehicles (DMV), if you are obliged to show a proof of financial responsibility. It is worth pointing out that a copy of your insurance or insurance card will not be accepted by the DMV as a replace of anSR22 form .
In California the minimum insurance requirements 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?
Usually, a driver is required to file an SR22 form for one of two reasons. The first, and most common, is conviction for driving under the influence (DUI) of either alcohol or drugs. Causing an accident while driving without insurance is the other.Both reasons will mean that your driving license will be suspended. As you probably know, California has one of the toughest car insurance laws. DUI conviction may even lead to a jail sentence and you will also be required to take part in a DUI program. One year without a license is the penalty for driving without insurance.
Maintain a proof of financial responsibility
You will have to maintain a proof of financial responsibility for three years. In order to reinstate your drivers license, you will be required to pay additional fees. During this period you will consider you to be a "high-risk" driver.If your filling period expires or your auto insurance in cancelled, the DMV will be notified by your insurance company. If you let your insurance lapse during these 3 years and SR26 form is submitted, your license will be suspended by the DMV.
SR is state specific, so bare in mind that your SR22 insurance will only be valid in CA. If you move to another state, you will have to obtain another 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
03 March 2010
26 February 2010
My cousin Nick was driving uninsured
My brother Nick was driving uninsured. I regret giving him the car.
How often is it that cops check if you have insurance? Its never happened to me, that's for sure.
He will get a fine for sure, but that's not all. Now even if he wants to get insured, he will need SR22. 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.
May be he should be happy he wasn't in a accident 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.
He will get a fine for sure, but that's not all. Now even if he wants to get insured, he will need SR22. 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.
May be he should be happy he wasn't in a accident 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
23 February 2010
Driving without insurance in the state of Florida is a punishable offence
Do you drive without auto insurance in the Sunshine State? What will happen to you when you get caught? Even if you are a meticulous driver, don't you need a car insurance?
Its of paramount importance to establish one thing first . Driving your vehicle without auto insurance in Florida, or anywhere in the United States Of America for that matter, is illegal.
It is a crime in the eyes of the law and when, not if, you get caught for driving without insurance, you will have to face charges. Quite often, police officers do check people's auto insurance policies.
Your driving privilege can be suspended by the Department of Highway Safety and Motor Vehicles for up to3 years or until you provide a proof of Florida auto insurance.
Of course, suspending your driving privilege is only the beginning. 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.
Putting things into prospective, driving with no an auto insurance is not just a punishable offence, but simply a dreadful idea.
Statistically, most of the serious accidents are caused by uninsured drivers.
Think for a minute, even if you are not fined just yet, it is very probable that you may cause an accident and without a car insurance you will most likely have to pay a very large amount of money to cover repairs and medical expenses.
Experts state that as many as 1 in 5 drivers in the state of Florida are without the required insurance cover. Especially true now given the state of our economy and people's need to save money.
Trying to save money is one thing, but when it comes to driving in Florida, the law is quite clear - you are obliged to have insurance.
Its is much wiser to save money by comparing quotes and finding affordable car insurance in Florida.
Save yourself from a lot of trouble by getting insured today.
Find more information about driving auto insurance and SR22 insurance
Its of paramount importance to establish one thing first . Driving your vehicle without auto insurance in Florida, or anywhere in the United States Of America for that matter, is illegal.
It is a crime in the eyes of the law and when, not if, you get caught for driving without insurance, you will have to face charges. Quite often, police officers do check people's auto insurance policies.
Your driving privilege can be suspended by the Department of Highway Safety and Motor Vehicles for up to3 years or until you provide a proof of Florida auto insurance.
Of course, suspending your driving privilege is only the beginning. 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.
Putting things into prospective, driving with no an auto insurance is not just a punishable offence, but simply a dreadful idea.
Statistically, most of the serious accidents are caused by uninsured drivers.
Think for a minute, even if you are not fined just yet, it is very probable that you may cause an accident and without a car insurance you will most likely have to pay a very large amount of money to cover repairs and medical expenses.
Experts state that as many as 1 in 5 drivers in the state of Florida are without the required insurance cover. Especially true now given the state of our economy and people's need to save money.
Trying to save money is one thing, but when it comes to driving in Florida, the law is quite clear - you are obliged to have insurance.
Its is much wiser to save money by comparing quotes and finding affordable car insurance in Florida.
Save yourself from a lot of trouble by getting insured today.
Find more information about driving auto insurance and SR22 insurance
22 February 2010
Toyota recall - Will your car insurance premium go up
Have you been affected by the recent Toyota recall. After ensuring your vehicle is safe to drive, you may be wandering what will this recall do to your auto insurance? Will there be an increase to your insurance premium? Are you and your family still properly covered? Will the value of your car go down?
Insurance companies confirm that Toyota's recall will not affect your liability or collision insurance cover. 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 chase for compensation. You may have to pay he deductible, but experts say Toyota will return part or all of the deductible to you.
Insurance companies, including Allstate and State Farm, are reassuring customers they won't have to pay more as a result of the recall.
The model and type of car you drive plays an important role when your insurance rates are calculated.Overall, Toyota has a solid reputation for making safe cars and it would be unfair to all Toyota drivers to automatically start paying more.
The value of used Toyota cars will undoubtedly go down. Of course, this doesn't mean that you should sell yours immediately. Lower car value may mean cheaper insurance when you have to renew your policy.
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 confirm that Toyota's recall will not affect your liability or collision insurance cover. 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 chase for compensation. You may have to pay he deductible, but experts say Toyota will return part or all of the deductible to you.
Insurance companies, including Allstate and State Farm, are reassuring customers they won't have to pay more as a result of the recall.
The model and type of car you drive plays an important role when your insurance rates are calculated.Overall, Toyota has a solid reputation for making safe cars and it would be unfair to all Toyota drivers to automatically start paying more.
The value of used Toyota cars will undoubtedly go down. Of course, this doesn't mean that you should sell yours immediately. Lower car value may mean cheaper insurance when you have to renew your policy.
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
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.
Democratic lawmakers supporting the proposals say they would make auto insurance more affordable and strengthen consumer
protections in the state.
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:
* And despite the economy, credit scores are staying stable.
* 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.
* Michigan auto insurers are not making enormous profits.
* Michigan property casualty insurance companies provide thousands of stable, much-needed jobs in the state.
Detroit car insurance quotes
Michigan consumers pay the highest auto insurance rates in the country when they can least afford it. Michigan drivers are doing their part to reduce auto crashes, yet the insurance industry has raised rates 69 percent since 1991 while enjoying virtually no regulation for 30 years, Hollowell said. Michigan consumers, whose family budgets are being squeezed by one rate increase after another, will be pleased that our legislators are working to enact meaningful insurance reform that will bring some much needed relief.
During her 2009 State of the State address, Gov. Jennifer M. Granholm called on the state legislature to adopt comprehensive auto insurance reform this year.
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.
Democratic lawmakers supporting the proposals say they would make auto insurance more affordable and strengthen consumer
protections in the state.
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:
* And despite the economy, credit scores are staying stable.
* 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.
* Michigan auto insurers are not making enormous profits.
* Michigan property casualty insurance companies provide thousands of stable, much-needed jobs in the state.
Detroit car insurance quotes
Michigan consumers pay the highest auto insurance rates in the country when they can least afford it. Michigan drivers are doing their part to reduce auto crashes, yet the insurance industry has raised rates 69 percent since 1991 while enjoying virtually no regulation for 30 years, Hollowell said. Michigan consumers, whose family budgets are being squeezed by one rate increase after another, will be pleased that our legislators are working to enact meaningful insurance reform that will bring some much needed relief.
During her 2009 State of the State address, Gov. Jennifer M. Granholm called on the state legislature to adopt comprehensive auto insurance reform this year.
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
15 December 2009
Florida, Atlanta & Detroit 15/12/2009
University of South Florida coach Jim Leavitt grabbed a player by the throat then struck him twice in the face through halftime of the Bulls' Nov. 21 game with Louisville, the player's father, his school coach and five members of USF's football program told FanHouse.
A South Florida representative said the school could review the assertion.
"The South Florida University realize the story and are going to review the matter promptly," said Michael Hoad, vice president for announcement. "We're committed to ensuring due process for everyone involved. To ensure fairness, the university does not comment during a review."
Florida No Fault Insurance
Olympic Park Area in Atlanta
Times Square is own by New York City. New Orleans is known for the French Quarter, and in San Francisco, camera-toting tourists flock to Fisherman's Wharf.
Today, city leaders in Atlanta hope to add Centennial Olympic Park and the enlarging roster of museums dotting it to the list of popular urban tourism corridors.
Atlanta Car Insurance
Ford Motor Detroit
Detroit Lions Vice Chairman Bill Ford Jr. said Monday that his role with the NFL team has taken a back place to his duties as Ford Motor Co. chairman.
When was in Washington to see The President and submit to the Commerce Department a list of recommendations on different ways to revitalize the economy developed at a Detroit business summit.
The younger Ford did speak out for the Lions after they dropped their third game of the 2008 campaign. Talking to reporters after a Detroit Economic Club meeting, Ford said he was disappointed in the team's performance and said fans deserve better.
Detroit Car Insurance Quotes
A South Florida representative said the school could review the assertion.
"The South Florida University realize the story and are going to review the matter promptly," said Michael Hoad, vice president for announcement. "We're committed to ensuring due process for everyone involved. To ensure fairness, the university does not comment during a review."
Florida No Fault Insurance
Olympic Park Area in Atlanta
Times Square is own by New York City. New Orleans is known for the French Quarter, and in San Francisco, camera-toting tourists flock to Fisherman's Wharf.
Today, city leaders in Atlanta hope to add Centennial Olympic Park and the enlarging roster of museums dotting it to the list of popular urban tourism corridors.
Atlanta Car Insurance
Ford Motor Detroit
Detroit Lions Vice Chairman Bill Ford Jr. said Monday that his role with the NFL team has taken a back place to his duties as Ford Motor Co. chairman.
When was in Washington to see The President and submit to the Commerce Department a list of recommendations on different ways to revitalize the economy developed at a Detroit business summit.
The younger Ford did speak out for the Lions after they dropped their third game of the 2008 campaign. Talking to reporters after a Detroit Economic Club meeting, Ford said he was disappointed in the team's performance and said fans deserve better.
Detroit Car Insurance Quotes
23 November 2009
State program offers cheaplow-cost car insurance
Save on Car Insurance
Getting auto insurance in your 20s, when your driving record is limited, can be pricey.
For example, a 27-year-old single male driving a 2005 Honda Civic Sedan would pay $326 for a six-month premium, including comprehensive and collision coverage with a $500 deductible and property liability of up to $15,000, according to a quote from Farmers 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.
Qualifying drivers can upgrade their coverage for a few more dollars per month through the insurance company to which they are assigned, Ng said.
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.
Getting auto insurance in your 20s, when your driving record is limited, can be pricey.
For example, a 27-year-old single male driving a 2005 Honda Civic Sedan would pay $326 for a six-month premium, including comprehensive and collision coverage with a $500 deductible and property liability of up to $15,000, according to a quote from Farmers 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.
Qualifying drivers can upgrade their coverage for a few more dollars per month through the insurance company to which they are assigned, Ng said.
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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