Category Archives: High Risk

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.

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.

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.

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.

Campbell, CA Auto Insurance Broker

Tough Terms Made Easy

Insurance lingo can get tricky. And buying car insurance can seem daunting when you don’t know what the terms mean.
Car insurance is your protection against:
Medical costs for you, your passengers, or others injured in an accident
Damage to property – not only your vehicle, but, for example, if you hit a fence or a lamppost, which would involve repairs
The potential for lawsuit – should a claim be disputed as to who is at fault, or if serious injury or damage occurs
These necessary protections translate into specific types of insurance coverage. Here’s your list of the basic terms to get you started.
Liability Coverage: Protects your assets in case you cause injury to others or damage to the property of others with your vehicle. These monies pay towards expenses involved, or toward the costs involved in a lawsuit. There are two types of liability coverage – bodily injury, and property damage.
Bodily Injury Liability: Protects you if you are determined to be responsible for an accident in which someone is injured or a fatality occurs. This liability coverage takes care of medical expenses, lost wages, pain and suffering. These damages could run into the hundreds of thousands of dollars. If you don’t have enough insurance coverage, your assets (your home, bank accounts) are at risk in the case of a lawsuit.
Property Damage Liability: Covers the damage your vehicle causes to someone else’s property, including their vehicle, a storefront, fence or other structures. Again, if you are found at fault for causing the damage, you are responsible financially. Without sufficient insurance coverage, your bank account and other assets are at risk.
Collision Coverage: Pays for damage to your vehicle that is caused from a collision or vehicle rollover.
Comprehensive Coverage: Pays for damage to your vehicle caused by something other than a collision, such as theft or vandalism, fire, flood and hail.
Medical Payments Coverage: Covers the cost of doctors, hospitals and funeral expenses for you and/or your passengers which result from an accident, regardless of who is at fault. It also covers you when you drive another person’s vehicle (with permission) or if you or your family is struck by another vehicle as pedestrians.
Personal Injury Protection: Pays for medical care, lost wages and replacement services for the injured party. It pays regardless of who is at fault in an accident. The availability of Personal Injury Protection varies by state.
Uninsured Motorist Coverage: Pays the cost of damages and injuries resulting from being hit by an uninsured or hit-and-run driver. Both you and your passengers are covered for medical expenses, lost wages and other injury-related losses.
Underinsured Motorist Coverage: Pays for damages that exceed the amount of coverage carried by a driver with insufficient coverage to cover your damages.
Business Auto Insurance: Coverage for vehicles used for business. Liability limits and other coverage needs are different from personal auto insurance policies.
Hired and Non-Owned Auto Liability: Coverage option for commercial vehicle insurance that accommodates employees who may occasionally use their personal vehicles on company business. This special liability coverage comes into play, for example, when an employee uses his own car to pick up supplies for his employer, and gets into an accident. Many other examples apply.

Homeowners, Renters and Condo Insurance Terms:

Named Perils: Fire or Lightning, Windstorms or Hail, Explosion, Riot or Civil Commotion, Aircraft, Vehicle Damage, Smoke, Vandalism and Malicious Mischief, Theft, Falling Objects, Weight of Ice, Snow or Sleet, Accidental Discharge or Overflow of Water, Sudden & Accidental Tearing Apart, Freezing, Sudden & Accidental Damage, Artificially Generated Current, Volcanic Eruption.
Master Policy: The condo association master policy will protect those parts of the buildings and grounds not deeded to the condo owner as part of their unit.
Scheduled Property: This endorsement allows you to list and insure specific items which require more insurance than can be provided under the basic policy.
Replacement Cost Coverage: Coverage that pays the dollar amount needed to replace your damaged personal property or dwelling without deduction for depreciation up to the coverage limits displayed on the declaration page of the policy.
Loss of Use Coverage: Pays for living accommodations in a comparable home in the event of a loss that requires you to vacate your home during repairs or replacement.

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.

San Ramon, CA Auto Insurance

Looking for a cheap quote on auto insurance or need an SR22? Click here to request an auto quote.