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Archive for September, 2008

DUI/DWI SR 22 Insurance Quotes Elgin Texas

Sep 21

Posted by admin in Dui Insurance Austin | Comments off



Can Insurers miss DUI convictions?

Steve

Elgin, TX.

 

Steve,

It’s possible that your insurance company will never find out about your DUI conviction if you don’t have to get an SR-22. A June 2002 study by the Insurance Research Council revealed that as many as one-quarter of driving convictions never end up on motor vehicle records due to lack of shared information between courts and motor vehicle departments, or because a conviction has been erased through alternative means, such as driving school. If you get your charge reduced in a plea bargain, or have a limited license suspension, such as 30 days, it’s also very unlikely your insurer will find out about your conviction.

 If your insurance company misses the conviction at the time it happens, it may still have a few years to raise car insurance rates if the DUI is discovered later.

Great Question.

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SR22 Insurance Austin Texas

Sep 20

Posted by admin in SR22 Insurance Austin | Comments off


 What do I need to look for when shopping for SR22 Insurance?

Becky

Austin,TX.

 

Becky,

The first thing you should realize is that there isn’t cheap SR22

insurance but you can follow a few key points to ensure that you don’t pay more than you need to when you get your policy.

Here’s a few things to keep in mind:

 Don’t shop by price alone. Some policies aren’t worth the paper they’re

printed on. They may show you a cheap price but don’;t offer ANY coverage should you actually need it!

 Go with a reputable DUI source when you shop for SR22 insurance. Companies that specialize in this type of high risk auto insurance are in a better position to help you versus a more generalized provider.

 Get as many free quotes as you possibly can. You don’t have to pay anything and you’ll be able to compare the different policies offered. This will help you to pick the better SR22 insurance policy.

 

Great Question.

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Affordable Auto Insurance Austin Texas

Sep 17

Posted by admin in Austin Car Insurance | Comments off


What is bodily injury coverage for with my automobile insurance and do I have to have it?

 

James

Austin, TX.

 

James,

 Bodily-injury coverage includes medical bills and lost wages; property-damage coverage pays to repair or replace property you destroy, such as other cars or property you run into, such as fences. It can also pay for “pain and suffering” damages if someone sues you after a car accident — but only up to your liability limits.

 Remember, your responsibility doesn’t end at your liability limits. If you cause $65,000 worth of damage and have an insurance limit of $40,000, you’re personally on the hook for the remaining $25,000 and could be sued for it. The Insurance Information Institute (III) recommends you carry $100,000 of bodily injury protection per person and $300,000 per accident.

 

Excellent Question.

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DUI/DWI SR 22 Insurance Quotes Elgin Texas

Sep 9

Posted by admin in Dui Insurance Austin | Comments off


 How can I find SR22 insurance?

Sarah

Elgin, TX.

 

Sarah,

 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.

Even if you get canceled or rejected from any of the big auto insurance

carriers just know that there are still plenty of options for your SR22 auto insurance. The first thing you need to do is to visit a qualified broker who can provide you with rate quotes from insurance companies that would be willing to insure you. Then you can compare policies and see which one suits your needs.

 

Hope this answers your question. 

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SR 22 Insurance Roundrock Texas

Sep 4

Posted by admin in SR22 Insurance Austin | Comments off

What are the Laws regarding SR22 insurance?

George

Roundrock, Tx.

George,

Laws regarding DUI/DWI and car insurance coverage vary by state. Most states require DUI offenders to get a form called an SR-22 from their auto insurers, so you can’t hide. This form proves to the DMV that you carry liability insurance and removes your license suspension. An SR-22 also requires your insurance company to notify the DMV if it cancels your auto insurance for any reason. You’ll likely have to file proof of insurance for three – sometimes five – years with your state’s DMV.

Excellent Question.

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