Category Archives: Auto Insurance

Marin, 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.

Los Gatos, CA Auto Insurance Broker

Auto Insurance

We believe there’s more to auto insurance than coverages and claims. At Ryan Hayes Insurance Brokerage, we start with experience – yours. We’re guided by your unique needs, translated into the policy that works best for you, your family and the vehicles you drive.
Our job? To give you the benefits of our experience. More than 60 years of it, grounded in the automotive industry. We take pride in the insurance products and services we offer, designed to give you the best possible auto insurance coverage – affordably – from your first car to your 21st.
We are committed to your complete satisfaction. And if you do need to make a claim, we’ll handle it as quickly, professionally and gently as we can. We don’t just want to “get” your business. We want to keep it.
Ryan Hayes Insurance Brokerage. We’re here when you need us. Count on it.

Livermore, CA Auto Insurance Broker

Auto Insurance

We believe there’s more to auto insurance than coverages and claims. At Ryan Hayes Insurance Brokerage, we start with experience – yours. We’re guided by your unique needs, translated into the policy that works best for you, your family and the vehicles you drive.
Our job? To give you the benefits of our experience. More than 60 years of it, grounded in the automotive industry. We take pride in the insurance products and services we offer, designed to give you the best possible auto insurance coverage – affordably – from your first car to your 21st.
We are committed to your complete satisfaction. And if you do need to make a claim, we’ll handle it as quickly, professionally and gently as we can. We don’t just want to “get” your business. We want to keep it.
Ryan Hayes Insurance Brokerage. We’re here when you need us. Count on it.

Walnut Creek, CA Auto Insurance Broker

Looking a a broker to shop your Auto insurance? Click on Request an Auto quote.

Dublin, CA Auto Insurance

Insuring your vehicle and Determining Your Premium

Pricing amongst auto insurance companies varies greatly. Although cheap car insurance can be acquired, premiums are generally based upon certain set factors and characteristics.

Some of these include:

Age, gender and marital status
Auto type, Model
Use of your vehicle
Driving record
Household driving information
Coverage limits
Zip code
Millage

Danville, CA Auto Insurance

What’s new in Danville?

Types of Auto Insurance Coverages

What is your car insurance actually insuring? Although you’re buying a single insurance policy covering a specific vehicle, a number of components make up the final cost:

  • Bodily injury liability: Covers injury and death claims against you, and legal costs, if your car injures or kills someone.
  • Property damage liability: Covers claims for property that your car damages in an accident. Because liability coverage protects the other party, it is required in all but three states.
  • Medical payments: Pays for injuries to yourself and to occupants of your car. This is optional in some states. In “no-fault” states, personal injury protection replaces medical payments as part of the basic coverage.
  • Uninsured motorist protection: Covers injuries caused to you or the occupants of your car by uninsured or hit-and-run drivers. “Under-insured” coverage also is available, to cover claims you may make against a driver who has inadequate insurance. In some states, as many as 30 percent of drivers are uninsured.
  • Collision coverage: Covers damage to your car up to its book value. Collision coverage carries a deductible, which is the amount per claim you have to pay before the insurance takes effect. The lower the deductible, the higher the premium. While it is legally optional, a lending institution or leasing company usually requires collision coverage.
  • Comprehensive (physical damage): Covers damage to your car from theft, vandalism, fire, wind, flood, and other non-accident causes. Comprehensive also carries a deductible.

Auto Insurance Discounts, Tips and Facts

Posted below is some information to better prepare you in your search for lowest auto insurance rates.

Choosing an Insurance Deductible that fits you financially:

With most insurance policies, a higher deductible will indeed lower the premium rate. However, It is a good idea to choose a deductible amount you can easily have available to you in the event a claim must be made.

When Car Shopping Meets Insurance:

To make sure you can get a low cost car insurance rate on the next car you buy, compare insurance rates before making the purchase. Insurance premiums can vary by hundreds depending on the type of car you buy. Some cars are considered dangerous, unsafe while others may be known to have a higher theft risk.

Ask a local insurance company about available discounts.

For a lower rate you may also want to ask the insurance providers about driving courses you can take for additional discounts. There are a couple companies who give you the option to watch a 30 minute safety video for up to a 10% off you auto insurance premium.

The Cheapest Auto Insurance Is Paid In Full

Last but not least, try to extend your payment intervals by 6 months or even a year. Like most products and services, the more you can pay up front, the more you will be able to save.

California Auto Insurance Information

The Ryan Hayes Insurance Brokerage (RHIB) is pleased to provide auto insurance in California.  We offer low cost auto insurance online even if you have a less than perfect driving record, have never been insured before, have let your policy lapse, or have had your coverage suspended or revoked.

We’ve provided some information below that we hope will be helpful in answering some of the more common questions we’ve received from our customers.

Mandatory Minimum Level of Coverage

California’s Compulsory Financial Responsibility Law requires every driver and owner of a motor vehicle to be financially responsible for their actions.  The statutory minimum limits of liability insurance are:

Bodily Injury

- $15,000 for the death or injury of any one person, any one accident
- $30,000 for all persons in any one accident

Property Damage

- $5,000 for any one accident

Consumer Rights/Protections Related to California Auto Insurance

California Proposition 103: In November of 1988, Proposition 103 (Prop.103) was enacted into law by the voters of California.  It provides many consumer protections related to purchasing and maintaining auto insurance.

View the California Proposition 103 Fact Sheet for more information.

Frequently Asked Questions Regarding California Auto Insurance

What Happens If I Don’t Carry Auto Insurance?

In California, it’s mandatory to have Proof of Insurance at all times.  Not providing Proof of Insurance when it’s requested may result in a fine or suspended license.  The General® can provide instant Proof of Insurance for California drivers.

What Are the Penalties for Driving Without Liability Insurance?

Judges can impound the vehicles of frequent, flagrant violators.  If you provide false evidence of auto insurance coverage and your driver’s license is suspended, the suspension cannot be lifted until you demonstrate genuine Proof of Insurance.

When Must You Show Proof of Insurance?

The Legislature passed a law requiring motorists to produce Proof of Insurance before the Department of Motor Vehicles renews vehicle registration.  The legislation also requires motorists to display Proof of Insurance when stopped by a police officer for traffic violations.

How Do I Prove I Have Insurance?

Your insurance company will send you a Proof of Insurance card listing the covered automobiles and drivers and showing the policy number and expiration date.  Your policy or a temporary binder is also acceptable evidence of insurance.

What if you’re currently driving without coverage?

The RHIB in many cases offers almost instant proof of insurance when you buy auto insurance online at our website.

SR-22 Form Information For California

WHAT IS AN SR-22 FORM

An SR-22 form is a document that helps the DMV and the state of California ensure that motorists are financially responsible for their driving. Certain drivers are deemed to be at risk because of past violations (as listed below) and are therefore required to file an SR-22 form with their auto insurance company. The auto insurance company will keep record of the SR-22 as well as providing the motorist and the state DMV with a copy.

In the state of California there are three different types of SR 22 forms:

  1. An Operator’s Policy Certificate which covers the financial responsibility in the case the motorist does not own a vehicle.
  2. An Owner’s Policy Certificate that covers the financial responsibility for vehicles owned by the motorist.
  3. A Broad Coverage Policy Certificate covers financial responsibility for all the vehicles that are owned or not owned by the motorist.

WHEN IS AN SR 22 REQUIRED?

The SR-22 financial responsibility insurance form is required for specific drivers in California. The form(s) may be required for the following reasons:

  1. If you have any safety responsibility suspensions. For example, if you were an uninsured driver and were involved in an accident in the past but did not pay the requisite compensation.
  2. If you have any unsatisfied judgment suspensions. For example, if you, as a driver were involved in an accident in the past and then you had an unsatisfactory judgment entered against you.
  3. If you have a restricted license.
  4. If you have had your license revocated.
  5. For individuals convicted of DUI.

FILING FOR AN SR 22 FORM

  1. Contact a DMV-authorized auto insurance agency or broker to request for a SR-22 filing.
  2. Pay the correct processing fee to the agency. The fee amount may vary between agencies. You can request an insurance quote from our auto insurance page and where we offer quotes from companies who will allow you to request an SR 22 filing automatically. This can all be done online and will often allow you to save on auto insurance rates.
  3. As per the State laws of California, the minimum amount of coverage for one accident should be $15,000 for one person killed or injured, $30,000 for two or more persons killed or injured and $5,000 for property damage.
  4. Upon receiving the request from the agent the central office then sends the SR-22 directly to the DMV in about 30 days.
  5. If accepted, you will receive the SR-22 from the agency along with a letter from the DMV.
  6. The SR-22 has to be maintained for a minimum period of 36 months. If this is not done, the DMV may suspend the driving record of the motorist until the insurance is reinstated.

FOR OUT OF STATE RESIDENTS

In case you move to another state, the requirements of your new state of residence will be applicable to you. Contact your insurance company for more information.

ADDITIONAL INFORMATION

  • An amount of $35,000 in cash or as a surety bond may be deposited with the DMV in place of liability insurance.
  • DMV-approved self-insurance is also considered adequate proof of financial responsibility.