Monthly Archives: March 2014

Liability Car Insurance

Liability Car Insurance

No matter how careful you may be behind the wheel, accidents can happen. Even minor fender benders can result in thousands of dollars in damage. Without insurance, you pay for damages both to your vehicle and any vehicles or property you damage. That’s why auto liability insurance coverage is so essential. Not only is auto liability insurance required by state law, it also places financial responsibility for damage caused by your vehicle on the insurance provider (once your deductible has been met).

What is liability insurance?

Liability insurance is usually comprised of 3 basic components:

  1. Bodily injury per person
  2. Bodily injury per accident
  3. Property damage

Each area has an upper-limit that your insurance provider is legally responsible to pay. For example, an auto liability insurance policy may cover up to $25,000 per person, with a per accident upper-limit of $50,000 in bodily injury protection. The bodily injury coverage will pay for medical expenses that result from an accident. Check with your local bureau of motor vehicles to find out how much coverage is required in your state.

The third component — property damage — covers damage to vehicles or property; it also has a coverage upper-limit. Your specific auto liability insurance coverage will vary depending on the state you live in, the make and model of your vehicle, and other factors.

Car Insurance Benicia, CA

Auto Insurance with a DUI or DWI

If you have been convicted of a DUI, you know that it can be a long and costly road back to the driver’s seat. One thing that doesn’t have to cost you an arm and a leg, however, is your post DUI auto insurance. We have helped many drivers find an affordable option for car insurance post DUI or DWI conviction. In fact, it’s a specialty of ours.

We can walk you through the whole SR22 filing process securely and confidentially. There’s no need to fill out reams of paperwork or spend days on the phone waiting to speak with someone. We can give you DUI auto insurance rates in a matter of minutes right from your computer. Or, if you prefer, you can speak with one of our helpful and knowledgeable agents on the phone who can assist you with any questions about high risk or post DUI auto insurance you may have.

Sacramento, CA Cheap Auto Insurance

What is “liability only” insurance?

“Liability only” typically refers to a minimum coverage level that is required in most states.  Liability coverage pays for damages to other people and property caused by you in an accident.

 

What is “full coverage” insurance?

“Full coverage” is a term that is often used to describe how much automobile insurance coverage someone has on their policy.  Although there is really no such thing as “full coverage”, that term is intended to mean that the policy has more than just Liability coverage and includes collision and comprehensive coverage.

Concord, CA SR22

An SR-22 Filing is a document or electronic certification issued by an auto insurance company that verifies to the state that you have an auto insurance policy with the state minimum liability limits.  If you are required to maintain this filing, you will be notified by the state.

An SR-22 is a financial responsibility certification that is sometimes required for high risk auto insurance customers by the state Department of Motor Vehicles or Public Safety after you have been involved in an accident with no auto insurance, or if an accident is due to excessive driving violations on your part

Los Gatos, CA SR22 Auto Insurance

An SR-22 Filing is a document or electronic certification issued by an auto insurance company that verifies to the state that you have an auto insurance policy with the state minimum liability limits.  If you are required to maintain this filing, you will be notified by the state.

An SR-22 is a financial responsibility certification that is sometimes required for high risk auto insurance customers by the state Department of Motor Vehicles or Public Safety after you have been involved in an accident with no auto insurance, or if an accident is due to excessive driving violations on your part

Livermore, CA SR22

SR22

An SR-22 Filing is a document or electronic certification issued by an auto insurance company that verifies to the state that you have an auto insurance policy with the state minimum liability limits.  If you are required to maintain this filing, you will be notified by the state.

An SR-22 is a financial responsibility certification that is sometimes required for high risk auto insurance customers by the state Department of Motor Vehicles or Public Safety after you have been involved in an accident with no auto insurance, or if an accident is due to excessive driving violations on your part

Mountain View, CA SR22

What is an SR-22?
An SR-22 document is required to provide state mandated proof of auto insurance. If you’ve had a DUI/DWI, been cited for driving without insurance, or been involved in a traffic accident while not covered by insurance, you may be required to keep an SR-22 document in your vehicle. The SR-22 document allows you to provide proof of minimum Liability Coverage to law enforcement officials if necessary.

Roseville, CA SR22

What is an SR-22?
An SR-22 document is required to provide state mandated proof of auto insurance. If you’ve had a DUI/DWI, been cited for driving without insurance, or been involved in a traffic accident while not covered by insurance, you may be required to keep an SR-22 document in your vehicle. The SR-22 document allows you to provide proof of minimum Liability Coverage to law enforcement officials if necessary.

Tracy, CA Auto Insurance Broker

What is an SR-22?
An SR-22 document is required to provide state mandated proof of auto insurance. If you’ve had a DUI/DWI, been cited for driving without insurance, or been involved in a traffic accident while not covered by insurance, you may be required to keep an SR-22 document in your vehicle. The SR-22 document allows you to provide proof of minimum Liability Coverage to law enforcement officials if necessary.

Palo Alto, CA SR22 Auto Insurance Broker

What is an SR-22?
An SR-22 document is required to provide state mandated proof of auto insurance. If you’ve had a DUI/DWI, been cited for driving without insurance, or been involved in a traffic accident while not covered by insurance, you may be required to keep an SR-22 document in your vehicle. The SR-22 document allows you to provide proof of minimum Liability Coverage to law enforcement officials if necessary.