| AUTOMOBILE INSURANCE GENERAL INFORMATION |
| The 10 Best Ways to Lower Your Car Insurance Bill Money saved is money earned. Many people spend more than is absolutely necessary on their daily bills, the things that they take for granted. With just a little thought, prudence, and effort, you can slice many of your routine expenses down to size. Here are ten of the best ways that you can save real cash on your automobile insurance bill: Drive safely. Goes without saying, right? Drive defensively, slow down to avoid costly tickets (which will raise your insurance rates tremendously), and be aware of your surroundings. Avoid problems before you have to extricate yourself from them. -- KNOWLEDGEFINANCIAL.COM Drive less. Commute to work or use public transportation. Don’t use your car for business purposes. Insurance companies usually offer discounts if you drive less than a certain number of miles yearly, and if you only use your car for personal trips. Shop around for insurance, preferably before you buy your car. This can be done conveniently online. Get quotes from several different insurance companies on several different types of cars. This will give you an idea of which types of cars are more or less expensive to insure. You’ll probably find that sports car that you want will cost you much more to insure than the not-so-flashy sedan. Why? Because car thieves target the sportster. Also, its parts are more expensive if it needs repair from an accident. Insurance companies take all of this into account when setting rates. Buy a safe, low-profile vehicle, like the not-so-flashy sedan. Do a market survey for vehicles that have higher safety ratings. Take care of your credit. If you haven’t heard by now, insurance companies look at your credit profile as one way of determining the rate that you’ll pay for coverage. Better credit equals lower premium. If you have spotty credit, take steps to repair and rebuild it. It’ll save you money in every area of your financial life. Raise your deductible. This could knock off a significant portion of your insurance bill. A word of caution though: make sure that you budget to have the money on-hand to cover the deductible should you need to repair your car. --- KNOWLEDGEFINANCIAL.COM Create an emergency vehicle repair fund. If you never need it, it just sits in your savings account collecting interest. It could be worse, huh? Avoid duplication of medical coverage. If you have a good healthcare program, you probably don’t need to pay your car insurance company for medical bills coverage. Look into insuring your vehicle with the same company that insures your home or life. Many companies offer substantial discounts for multiple- policy coverage; they want to be your only insurance resource. Also, if you have more than one vehicle, most companies will give you a discount for insuring both through them. Consider eliminating collision coverage if you have an older vehicle. Collision is a large chunk of the insurance bill; this could save you significantly. Another word of caution: consider the value of your vehicle. Also consider that if you do collide with something, you’ll have to replace your car on your own. -- KNOWLEDGEFINANCIAL.COM Take a defensive driving course. Many insurance companies will discount your rates if you’ve successfully completed one recently. (Because we always deliver more than we promise) Explore other discounts. Many companies offer a loyalty discount: if you stay with them for a number of consecutive years your rates will drop. Also, consider membership clubs such as AAA or AARP, for example. Club membership discounts can sometimes be substantial. That’s it; happy savings! |
Important Things to do if You’re Involved in an
Auto accident… -- KNOWLEDGEFINANCIAL.COM
Automobile insurance is a requirement for every motorist to have.
It’s a commodity, however, that no motorist ever wants to use.
The legal and financial effects of an accident, not to mention the
risk of serious bodily injury to oneself and to others, makes
dealing with an insurance claims department an undertaking of
overwhelming displeasure.
Still, accidents do happen. If one happens to you, here’s a list of
things to do that may help you to navigate your way through the
process:
Attend to any injuries, whether in your vehicle or another, as well
as pedestrians. Make sure that someone calls an ambulance
and the police.
If your vehicle can still be driven, move it to a safer location in
order to prevent further damage. Warn oncoming traffic away from
the collision.
If another vehicle is involved, get the other driver’s name,
address, phone number, license number, vehicle registration
number and insurance company, and give him or her your
corresponding information.
Examine the driver’s license to see if there are any restrictions
which weren’t being followed (such as wearing eyeglasses, for
example). If the vehicle is registered to someone else, get that
person’s name and address as well.
Get the names and addresses of any witnesses, and any
statements of what they saw. This is especially important if you
think that you were not at fault. If they refuse to give you a
statement, get the license plate numbers of their cars.
Also, be sure to get the names and badge numbers of the police
offices who arrive at the scene.
If you suspect that the other driver has been drinking, insist that
you both take a sobriety or breath test.
Write down your recollection of how the accident transpired,
including your own traveling speed. Include the time of day,
weather conditions, and any hazardous circumstances (such as
blind spots). Describe the area, noting exactly where the accident
took place. Do this while you’re still at the scene and your
impressions are fresh.
Don’t sign anything unless required to do so by the police. Don’t
admit guilt or even shared guilt. Don’t say that your insurance will
cover everything, or mention how much coverage that you have.
Ask the police whether you should report the accident yourself,
and if so, how and where. You may need to do so if the accident
occurred on private property.
Call your insurance agent and let him or her know exactly what
happened, along with any evidence that you have.
Do not rely on the other person’s promise to pay. Report even
small accidents if someone was hurt; the injury could turn out to
be more serious than it first appeared. You could risk losing your
coverage if you don’t.
If you or any of your passengers were injured in any way, even
minor bruises, see a doctor to have it checked out. It’s much
better to be safe now than sorry later.
Cooperate with your insurance company on filling out forms and
making reports. But do not make a quick, final settlement with any
company, either your own or the other driver’s. Injuries that don’t
seem serious initially could worsen over time.
If your car is struck (while parked, for instance) by a hit-and-run
driver, notify the police within twenty-four hours. Again, failing to
report an accident could subject you to the loss of your coverage.
If you’re sideswiped and feel that the other driver means to do you
some harm, keep going, if you’re able to, and find a police
department or safe area in which to call them.
Notify your insurer from there as well. Normally, you shouldn’t
leave the scene of an accident, but your personal safety is
certainly an extenuating circumstance.
Be sure to keep good records of all expenses associated with the
accident, such as lost paychecks or the cost of renting a car while
yours is being repaired. In a no-fault state, your insurance
company may pick up that tab. In a fault state, the other driver’s
insurance company should reimburse you if the accident was his
or her fault.
If the accident was a serious, talk to a lawyer to become aware of
your rights and obligations, as well as the amount of damages
that might be involved.
KNOWLEDGEFINANCIAL.COM
Auto accident… -- KNOWLEDGEFINANCIAL.COM
Automobile insurance is a requirement for every motorist to have.
It’s a commodity, however, that no motorist ever wants to use.
The legal and financial effects of an accident, not to mention the
risk of serious bodily injury to oneself and to others, makes
dealing with an insurance claims department an undertaking of
overwhelming displeasure.
Still, accidents do happen. If one happens to you, here’s a list of
things to do that may help you to navigate your way through the
process:
Attend to any injuries, whether in your vehicle or another, as well
as pedestrians. Make sure that someone calls an ambulance
and the police.
If your vehicle can still be driven, move it to a safer location in
order to prevent further damage. Warn oncoming traffic away from
the collision.
If another vehicle is involved, get the other driver’s name,
address, phone number, license number, vehicle registration
number and insurance company, and give him or her your
corresponding information.
Examine the driver’s license to see if there are any restrictions
which weren’t being followed (such as wearing eyeglasses, for
example). If the vehicle is registered to someone else, get that
person’s name and address as well.
Get the names and addresses of any witnesses, and any
statements of what they saw. This is especially important if you
think that you were not at fault. If they refuse to give you a
statement, get the license plate numbers of their cars.
Also, be sure to get the names and badge numbers of the police
offices who arrive at the scene.
If you suspect that the other driver has been drinking, insist that
you both take a sobriety or breath test.
Write down your recollection of how the accident transpired,
including your own traveling speed. Include the time of day,
weather conditions, and any hazardous circumstances (such as
blind spots). Describe the area, noting exactly where the accident
took place. Do this while you’re still at the scene and your
impressions are fresh.
Don’t sign anything unless required to do so by the police. Don’t
admit guilt or even shared guilt. Don’t say that your insurance will
cover everything, or mention how much coverage that you have.
Ask the police whether you should report the accident yourself,
and if so, how and where. You may need to do so if the accident
occurred on private property.
Call your insurance agent and let him or her know exactly what
happened, along with any evidence that you have.
Do not rely on the other person’s promise to pay. Report even
small accidents if someone was hurt; the injury could turn out to
be more serious than it first appeared. You could risk losing your
coverage if you don’t.
If you or any of your passengers were injured in any way, even
minor bruises, see a doctor to have it checked out. It’s much
better to be safe now than sorry later.
Cooperate with your insurance company on filling out forms and
making reports. But do not make a quick, final settlement with any
company, either your own or the other driver’s. Injuries that don’t
seem serious initially could worsen over time.
If your car is struck (while parked, for instance) by a hit-and-run
driver, notify the police within twenty-four hours. Again, failing to
report an accident could subject you to the loss of your coverage.
If you’re sideswiped and feel that the other driver means to do you
some harm, keep going, if you’re able to, and find a police
department or safe area in which to call them.
Notify your insurer from there as well. Normally, you shouldn’t
leave the scene of an accident, but your personal safety is
certainly an extenuating circumstance.
Be sure to keep good records of all expenses associated with the
accident, such as lost paychecks or the cost of renting a car while
yours is being repaired. In a no-fault state, your insurance
company may pick up that tab. In a fault state, the other driver’s
insurance company should reimburse you if the accident was his
or her fault.
If the accident was a serious, talk to a lawyer to become aware of
your rights and obligations, as well as the amount of damages
that might be involved.
KNOWLEDGEFINANCIAL.COM
Ways to Save money on Gasoline; Gas Saving
Tips and Suggestions for all drivers
We have all seen the price of gasoline shooting up to record levels around
the country with no relief in sight. In some states it has already reached,
and passed, record levels. Reports of gas thefts from parked cars and
fill and flies (people going to a gas station, filling up and driving off without
paying) are increasing everyday.
What can we, as consumers, do about it? Unfortunately, there is not too
much we can do. We either pay or walk. But there is one thing we can do,
and that is to squeeze every mile we can out of every gallon of gas
we buy. There are a number of things we can do to keep our vehicles
running in top shape and get the best mileage we can. Other ways are by
changing the way we drive.
• Tire Pressures
One thing we can do to stretch our gallon of gas is to check our tire
pressures.
Low tire pressure will make the tires drag and use more gas. Look in your
owners' manual and see what the recommended tire pressures are. Add
two pounds to that number, but never exceed 35 psi. That will add
about 1 mile per gallon. Check them every time you gas up. Think of it as
adding an extra ½ gallon to your tank for free.
• Keep Your Engine Tuned
Keeping your engine well tuned is another good way to stretch your gas
dollar. An engine that grinds for ten seconds before firing up wastes enough
gas to take you two miles. Maybe it's time for a new set of spark
plugs and a new air filter. Now is a good time to go get them. Also have a
mechanic bump the timing a degree or two if possible.
• Clean Out Your Trunk
Look in the trunk of your car. Are those two bags of sand that you used for
extra traction last winter still in there? Take them out! It's excess weight in
the summer and excess weight uses gas. What ever you don't need in
there, take it out and lighten the load. It will come back as extra miles per
tank full.
• Think About The Vehicle You Use
If you are a two car family, use the cars wisely. If one has to drive further to
work, let that person use the car that gets the best mileage. On weekends
switch around depending on who's running the errands. Do you
really need to drive that big gas sucking SUV? They are all right if you need
to move the kids' soccer team, but driving it to work is a waste. Consider a
more fuel-efficient vehicle for commuting.
• Shop For Price
If you see three or four gas stations on a corner, check all the prices. They
will be competing for your business and will generally have the lowest
prices. Don't drive across town just to save one or two cents a gallon.
You'll wind up using more gas than you save. Unless you can save eight to
ten cents a gallon, it's just not worth it. Keep an eye on prices as you drive
around and if you see a lower price, take advantage of it.
• Make Sure You Use The Correct Fuel
If your car uses regular gas don't waste money on buying premium, if you
don't have to. You won't get any better mileage or performance and you'll
just waste that extra ten or fifteen cents a gallon. Check your owner's
manual to see if your engine does need premium.
• Take Time Of Day Into Consideration
If possible, stagger your work hours to avoid rush hour traffic. Sitting in
stop and go traffic is the biggest waste of fuel there is. Try leaving home for
work a little earlier. You'll avoid some traffic and impress your boss.
• Cut Down On The Use Of The Air Conditioning
A/C takes about 8 horsepower to run and those horses eat gas. Our
forefathers crossed a whole country without A/C, I think we can cross town
without it. On a long trip on the open highway, it is better to use the A/C
than to drive with the windows open. The extra drag of open windows on a
vehicle can eat up more fuel than the A/C will.
---------------------------------------
WAYS TO SAVE MONEY ON GAS
Reduce Your Driving Costs by 25% or More
The cost of commuting, running errands, or vacationing by car has risen
sharply with higher gasoline prices, but you can significantly lower your
driving costs with these gas-saving tips:
Don't drive a gas guzzler. Do you really need that SUV? Six cylinders
instead of four? How about that big pickup truck?
Keep your car properly maintained and tuned. A poorly tuned car can use
more than 25% more gas.
Use steel-belted radial tires. They increase gas mileage up to 10%.
Don't use high octane gas unless your car is pinging and knocking or you
have a high-performance engine and the manufacturer recommends
premium gas.
Check your tire pressure weekly. For every pound of underinflation, you can
lose up to six percent in gas mileage, so if your tires are five pounds
underinflated, you'll use up to 30% more gas.
Don't top off your tank when pumping gas.
On a warm day, gasoline expands and can overflow.
Don't warm your car up by letting it idle. The engine warms up faster when
driving than it does when idling, and idling wastes about a quart of gas
every 15 minutes.
Save fuel by combining errands into one trip and avoid backtracking
whenever possible.
Wasteful driving habits can double your fuel consumption. Develop gas-
saving habits, such as:
Always accelerate gently. --KNOWLEDGEFINANCIAL.COM
Watch traffic ahead of you so you can anticipate slow-downs and avoid
stops.
Coast up to traffic jams by lifting your foot off the gas pedal instead of
approaching at full speed and slamming on the brakes. It takes 20% more
gas to accelerate to normal speed from a full stop than it does from four
or five miles per hour.
Don't drive too fast or too slow. It takes 20% to 30% more gas to drive at 70
mph than 50 mph.
Maintain a steady speed on the highway. Avoid getting stuck behind slow
cars where you have to slow down to their pace and then speed up to pass
Tips and Suggestions for all drivers
We have all seen the price of gasoline shooting up to record levels around
the country with no relief in sight. In some states it has already reached,
and passed, record levels. Reports of gas thefts from parked cars and
fill and flies (people going to a gas station, filling up and driving off without
paying) are increasing everyday.
What can we, as consumers, do about it? Unfortunately, there is not too
much we can do. We either pay or walk. But there is one thing we can do,
and that is to squeeze every mile we can out of every gallon of gas
we buy. There are a number of things we can do to keep our vehicles
running in top shape and get the best mileage we can. Other ways are by
changing the way we drive.
• Tire Pressures
One thing we can do to stretch our gallon of gas is to check our tire
pressures.
Low tire pressure will make the tires drag and use more gas. Look in your
owners' manual and see what the recommended tire pressures are. Add
two pounds to that number, but never exceed 35 psi. That will add
about 1 mile per gallon. Check them every time you gas up. Think of it as
adding an extra ½ gallon to your tank for free.
• Keep Your Engine Tuned
Keeping your engine well tuned is another good way to stretch your gas
dollar. An engine that grinds for ten seconds before firing up wastes enough
gas to take you two miles. Maybe it's time for a new set of spark
plugs and a new air filter. Now is a good time to go get them. Also have a
mechanic bump the timing a degree or two if possible.
• Clean Out Your Trunk
Look in the trunk of your car. Are those two bags of sand that you used for
extra traction last winter still in there? Take them out! It's excess weight in
the summer and excess weight uses gas. What ever you don't need in
there, take it out and lighten the load. It will come back as extra miles per
tank full.
• Think About The Vehicle You Use
If you are a two car family, use the cars wisely. If one has to drive further to
work, let that person use the car that gets the best mileage. On weekends
switch around depending on who's running the errands. Do you
really need to drive that big gas sucking SUV? They are all right if you need
to move the kids' soccer team, but driving it to work is a waste. Consider a
more fuel-efficient vehicle for commuting.
• Shop For Price
If you see three or four gas stations on a corner, check all the prices. They
will be competing for your business and will generally have the lowest
prices. Don't drive across town just to save one or two cents a gallon.
You'll wind up using more gas than you save. Unless you can save eight to
ten cents a gallon, it's just not worth it. Keep an eye on prices as you drive
around and if you see a lower price, take advantage of it.
• Make Sure You Use The Correct Fuel
If your car uses regular gas don't waste money on buying premium, if you
don't have to. You won't get any better mileage or performance and you'll
just waste that extra ten or fifteen cents a gallon. Check your owner's
manual to see if your engine does need premium.
• Take Time Of Day Into Consideration
If possible, stagger your work hours to avoid rush hour traffic. Sitting in
stop and go traffic is the biggest waste of fuel there is. Try leaving home for
work a little earlier. You'll avoid some traffic and impress your boss.
• Cut Down On The Use Of The Air Conditioning
A/C takes about 8 horsepower to run and those horses eat gas. Our
forefathers crossed a whole country without A/C, I think we can cross town
without it. On a long trip on the open highway, it is better to use the A/C
than to drive with the windows open. The extra drag of open windows on a
vehicle can eat up more fuel than the A/C will.
---------------------------------------
WAYS TO SAVE MONEY ON GAS
Reduce Your Driving Costs by 25% or More
The cost of commuting, running errands, or vacationing by car has risen
sharply with higher gasoline prices, but you can significantly lower your
driving costs with these gas-saving tips:
Don't drive a gas guzzler. Do you really need that SUV? Six cylinders
instead of four? How about that big pickup truck?
Keep your car properly maintained and tuned. A poorly tuned car can use
more than 25% more gas.
Use steel-belted radial tires. They increase gas mileage up to 10%.
Don't use high octane gas unless your car is pinging and knocking or you
have a high-performance engine and the manufacturer recommends
premium gas.
Check your tire pressure weekly. For every pound of underinflation, you can
lose up to six percent in gas mileage, so if your tires are five pounds
underinflated, you'll use up to 30% more gas.
Don't top off your tank when pumping gas.
On a warm day, gasoline expands and can overflow.
Don't warm your car up by letting it idle. The engine warms up faster when
driving than it does when idling, and idling wastes about a quart of gas
every 15 minutes.
Save fuel by combining errands into one trip and avoid backtracking
whenever possible.
Wasteful driving habits can double your fuel consumption. Develop gas-
saving habits, such as:
Always accelerate gently. --KNOWLEDGEFINANCIAL.COM
Watch traffic ahead of you so you can anticipate slow-downs and avoid
stops.
Coast up to traffic jams by lifting your foot off the gas pedal instead of
approaching at full speed and slamming on the brakes. It takes 20% more
gas to accelerate to normal speed from a full stop than it does from four
or five miles per hour.
Don't drive too fast or too slow. It takes 20% to 30% more gas to drive at 70
mph than 50 mph.
Maintain a steady speed on the highway. Avoid getting stuck behind slow
cars where you have to slow down to their pace and then speed up to pass
| Auto Insurance - What do You really Need? When shopping for car insurance, you must take a number of factors into consideration in order to obtain the best coverage for your needs at a reasonable price. For instance, how much is your vehicle worth? Is it new? -- Is it financed? -- What state do you live in? -- And your assets; do you have a lot to protect? All of these questions must be answered as you search for the right policy. Listed below are the most common types of auto insurance offered. Some are required; others are not. Most allow you to choose the amount of coverage and deductible that suits your needs. A good insurance professional can be of enormous value in helping to explain the choices and options available to you. Bodily injury liability - KNOWLEDGEFINANCIAL.COM A required coverage, bodily injury liability protects you if you’re sued for injuring someone in an accident, including pedestrians and passengers riding with you. The policy pays the victim’s medical costs, loss of earnings, and pain and suffering. It also covers you if someone is injured by a family member who’s driving your car, a friend driving your car with permission, or a family member who is driving someone else’s car with permission. Property damage liability - Also required, this liability insurance pays for any damage you do to someone else’s property. Medical payments - KNOWLEDGEFINANCIAL.COM This coverage, offered in fault states but not a requirement, pays the medical and funeral bills of anyone injured in your car, without regard to who caused the accident. It also covers your family members if they’re hurt as pedestrians or while riding in someone else’s vehicle, including a bus or taxi. Generally, medical payment insurance will only cover the bills that regular health insurance doesn’t pay. Personal-injury protection (PIP) - PIP, a no-fault item, covers your personal medical bills up to a stated limit, part of any lost wages, funeral expenses, and in some states, replacement services (a babysitter while a mother is hospitalized, for example). Collision - KNOWLEDGEFINANCIAL.COM This portion of your policy covers repairs to your own vehicle, no matter who caused the accident. If your vehicle is financed, the creditor will require that you carry this type of insurance as long as the loan is in effect; if you own the car free and clear, this coverage is optional. The price of collision coverage depends on the type of vehicle and the size of the deductible, which can range from $100 to $1,000. The higher the deductible that you choose, the lower your cost for this coverage. If involved in an accident which wasn’t your fault, your deductible may be covered by the at-fault driver’s insurance policy. Collision is typically written to cover your vehicle’s fair market value only, which generally drops over time. Comprehensive - KNOWLEDGEFINANCIAL.COM As with collision coverage, if your car is financed, the lender will require comprehensive insurance. If owned outright this coverage, too, is optional. Comprehensive pays for random damage to your car from fire, flood, earthquake, hail, vandalism, and road debris. It also covers theft and, perhaps, the use of a rental car after a theft. Deductibles can range from $100 to $1,000; the higher the deductible you choose, the lower your comprehensive premium. Windshields may be insurable separately, with no deductible at all. Comprehensive will pay up to your vehicle’s fair market value, and no more. Uninsured and underinsured motorist - Required in many but not all states, uninsured- and underinsured motorist coverages pay the cost of your injuries and those of your passengers if you’re hit by an uninsured driver who’s at fault, an at-fault driver whose insurance policy won’t cover all of your damages, or a hit- and-run driver. It also covers lost wages and, in some states, reimbursement for damages to your car. In no-fault states, this coverage kicks in if you’re injured badly enough to sue. You can collect from this insurance on top of your no-fault personal injury protection. Towing and service / rental car reimbursement - This optional coverage pays for towing and labor charges for repairs if you have an accident or your car breaks down. However, if you belong to an auto club, you probably already have these benefits. |
KNOLEDGEFINANCIAL.COM
INSURANCE: WAYS TO MAKE MONEY & SAVE MONEY ON YOUR
INSURANCE. 15 Insurance Policies You Don't Need
Five Insurance Policies Everyone Should Have
Protecting your most important assets is an important step in creating
a solid personal financial plan. The right insurance policies will go a
long way toward helping you safeguard your earning power and your
possessions
THE IMPORTANCE OF INSURANCE IN SOMEONE'S LIFE!
Your Financial Plan; Insurance is an important element of any sound
financial plan
Different types of insurance protect you and your loved ones in
different ways against the cost of accidents, illness, disability, and
death.
Auto Insurance
Auto insurance protects you from damage to the often considerable
investment in a car and/or from liability for damage or injury caused by
you or someone driving your vehicle.
The 10 Best Ways to Lower Your Car Insurance Bill
Money saved is money earned. Many people spend more than is
absolutely necessary on their daily bills, the things that they take for
granted.
Auto Insurance - What do You really Need?
When shopping for car insurance, you must take a number of factors
into consideration in order to obtain the best coverage for your needs
at a reasonable price. For instance, how much is your vehicle worth?
Home-owner's Insurance: How to Save Money on Home Insurance?
Home-owner's insurance should allow you to rebuild and refurnish
your home after a catastrophe and insulate you from lawsuits if
someone is injured on your property.
Guide To Homeowners Insurance: Different Types of Coverage
All insurance is definitely not created equal or, put another way, you get
what you pay for. The least costly homeowners insurance will likely
give you the least amount of coverage, and vice versa.
Life Insurance
Life insurance, payable when you die, can provide a surviving spouse,
children, and other dependents with the funds necessary to maintain
their standards of living, can help repay debt, and
can fund education tuition costs.
Ways to Reduce Your Life Insurance Premium
While you can't do anything about two of the three main factors
affecting your insurance premium (age and family medical history),
there are steps you can take regarding the third - lifestyle. You could
lower your insurance premium if you:
Annuities & Pensions Insurance
Basically, an annuity is just a series or stream of payments. “Annuity”
comes from the Latin for “year”. In the context of life insurance, it is a
contract between you and an insurance company under which the
insurance company pays you money for a stipulated period.
Things to Remember When Buying Health-care
It’s always much easier and much less complicated choosing
healthcare coverage from your employer.
Your Health Insurance; and what it should Cover
How to analyzed the costs that you pay under your health-care insurance
plan. In this article we’ll look at some of the basic coverages which
should be included in your policy.
INSURANCE. 15 Insurance Policies You Don't Need
Five Insurance Policies Everyone Should Have
Protecting your most important assets is an important step in creating
a solid personal financial plan. The right insurance policies will go a
long way toward helping you safeguard your earning power and your
possessions
THE IMPORTANCE OF INSURANCE IN SOMEONE'S LIFE!
Your Financial Plan; Insurance is an important element of any sound
financial plan
Different types of insurance protect you and your loved ones in
different ways against the cost of accidents, illness, disability, and
death.
Auto Insurance
Auto insurance protects you from damage to the often considerable
investment in a car and/or from liability for damage or injury caused by
you or someone driving your vehicle.
The 10 Best Ways to Lower Your Car Insurance Bill
Money saved is money earned. Many people spend more than is
absolutely necessary on their daily bills, the things that they take for
granted.
Auto Insurance - What do You really Need?
When shopping for car insurance, you must take a number of factors
into consideration in order to obtain the best coverage for your needs
at a reasonable price. For instance, how much is your vehicle worth?
Home-owner's Insurance: How to Save Money on Home Insurance?
Home-owner's insurance should allow you to rebuild and refurnish
your home after a catastrophe and insulate you from lawsuits if
someone is injured on your property.
Guide To Homeowners Insurance: Different Types of Coverage
All insurance is definitely not created equal or, put another way, you get
what you pay for. The least costly homeowners insurance will likely
give you the least amount of coverage, and vice versa.
Life Insurance
Life insurance, payable when you die, can provide a surviving spouse,
children, and other dependents with the funds necessary to maintain
their standards of living, can help repay debt, and
can fund education tuition costs.
Ways to Reduce Your Life Insurance Premium
While you can't do anything about two of the three main factors
affecting your insurance premium (age and family medical history),
there are steps you can take regarding the third - lifestyle. You could
lower your insurance premium if you:
Annuities & Pensions Insurance
Basically, an annuity is just a series or stream of payments. “Annuity”
comes from the Latin for “year”. In the context of life insurance, it is a
contract between you and an insurance company under which the
insurance company pays you money for a stipulated period.
Things to Remember When Buying Health-care
It’s always much easier and much less complicated choosing
healthcare coverage from your employer.
Your Health Insurance; and what it should Cover
How to analyzed the costs that you pay under your health-care insurance
plan. In this article we’ll look at some of the basic coverages which
should be included in your policy.
| Vehicle Insurance Vehicle or auto insurance is designed to protect a driver's car, truck, motorcycle and other vehicles against losses sustained from events like traffic accidents. You agree to pay the premium, and in the event of an accident, the insurance company agrees to pay your losses as defined in your policy. In most states, except Wisconsin and New Hampshire, having auto insurance is compulsory Vehicle insurance has the following six types of coverage: --- KNOWLEDGEFINANCIAL.COM 1. Bodily Injury Liability: If you, the policyholder, are involved in a traffic accident and the other driver is injured, bodily injury liability takes care of the medical costs for the injured party. This kind of coverage is beneficial because you are protected from the risk of being sued. 2. Personal Injury: This coverage is like the bodily injury coverage, but the difference is that it pays for the injury to you, the policyholder, and any passengers in your car. 3. Property Damage: This coverage pays for any damage caused to someone else's property due to an accident. Property includes the other party's car, telephone poles, fences, lampposts, garages, trash cans, buildings or any other items hit during the accident. 4. Collision: This coverage covers any damages inflicted on your car from a collision with another car, flipping over or even hitting a pothole. If you are at fault for the accident, the insurance company will pay you back the cost of repairing your car less the deductible. If you are not at fault, the insurance company will try to recover the amount they pay you from the other driver's insurance company. If they are successful in recovering the money, the insurance company might even reimburse you the deductible. 5. Comprehensive: Comprehensive coverage is a very popular type of insurance coverage. It repays you for loss or damages due to any other event besides traffic accidents, like theft, fire, flood, earthquake, contact with animals, etc. As with any other coverage, the higher the deductible, the lower the premium paid. 6. Uninsured Motorist Coverage: This coverage protects you, your family members or someone driving your car with your permission if one of you is hit by an at-fault, uninsured driver. 2.Vehicle History Reports CARFAX vehicle history reports can tell you if the vehicle has been branded, e.g., "Lemon", "Salvage", if the vehicle has been in an accident, and more. 3.Auto Repair Tips & Advice Home New Cars Used Cars Research Finance Insurance Maintain Green Center My Auto Center Warranty Repair Tips & Advice Search Yahoo ... Repair Find Local Auto Repair Shops, Mechanics & Auto Auto Repair Shops -- |
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drivers; Important Things to do if You’re Involved in an Auto accident…
drivers; Important Things to do if You’re Involved in an Auto accident…
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| BUYING, SELLING, LEASING A REAL STATE PROPERTY IN SOUTH FLORIDA IS THE AFFAIR OF A LICENSED REAL ESTATE PROFESSIONAL. CALL Mr. ANTONY AT: 786-709-577 FOR A COMPLETE REAL ESTATE SERVICE! |
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Benefits, & Features While Alive
and After Death... Learn More
Here!
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Ways to Make Money & Save
Money on Your Insurance. Learn
More...
..Term Insurance Advantages,
Term Insurance General
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invest the difference. Learn
More...
..Life Insurance Quote. Find out
if You Pay too much for Your
Insurance, Or Check How Much
You Can Pay For a Life
Insurance...
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& Money Management Basics.
FINANCIAL SOLUTIONS,
TOOLS & RESOURCES.
LEARN MORE...
Insurance Products: How to
make profits with the insurance
companies? Learn More.
..Five Insurance Policies Everyone
Should Have
Protecting your most important
assets is an important step in
creating a solid personal financial
plan. The right insurance policies
will go a long way toward helping
you safeguard your earning power
and your possessions
THE IMPORTANCE OF INSURANCE
IN SOMEONE'S LIFE!
Your Financial Plan; Insurance is
an important element of any sound
financial plan
Different types of insurance protect
you and your loved ones in different
ways against the cost of accidents,
illness, disability, and death.
INSURANCE KNOWLEDGE
LIFE INSURANCE ADVANTAGES,
FEATURES AND BENEFITS WHILE
ALIVE AND AFTER DEATH.
INSURANCE GENERAL
INFORMATION FOR BETTER
CHOICES, BETTER DECISION,
BETTER GUARANTEE AND BETTER
SATISFACTION. LEARN MORE
HERE...
..HOW TO OBTAIN AN INSURANCE
LICENSE, AND GET HIRED, START
WORKING IMMEDIATELY WITH ONE
OF THE GREATEST INSURANCE
COMPANY IN THE WORLD?
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Life Insurance
Life insurance, payable when you
die, can provide a surviving
spouse, children, and other
dependents with the funds
necessary to maintain their
standards of living .
LIFE INSURANCE QUOTE. LEARN
MORE..
Ways to Reduce Your Life Insurance
Premium
Benefits, & Features While Alive
and After Death... Learn More
Here!
..Insurance General Information:
Ways to Make Money & Save
Money on Your Insurance. Learn
More...
..Term Insurance Advantages,
Term Insurance General
Knowledge. Buy the Term, and
invest the difference. Learn
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..Life Insurance Quote. Find out
if You Pay too much for Your
Insurance, Or Check How Much
You Can Pay For a Life
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..Investment Products: Investing
& Money Management Basics.
FINANCIAL SOLUTIONS,
TOOLS & RESOURCES.
LEARN MORE...
Insurance Products: How to
make profits with the insurance
companies? Learn More.
..Five Insurance Policies Everyone
Should Have
Protecting your most important
assets is an important step in
creating a solid personal financial
plan. The right insurance policies
will go a long way toward helping
you safeguard your earning power
and your possessions
THE IMPORTANCE OF INSURANCE
IN SOMEONE'S LIFE!
Your Financial Plan; Insurance is
an important element of any sound
financial plan
Different types of insurance protect
you and your loved ones in different
ways against the cost of accidents,
illness, disability, and death.
INSURANCE KNOWLEDGE
LIFE INSURANCE ADVANTAGES,
FEATURES AND BENEFITS WHILE
ALIVE AND AFTER DEATH.
INSURANCE GENERAL
INFORMATION FOR BETTER
CHOICES, BETTER DECISION,
BETTER GUARANTEE AND BETTER
SATISFACTION. LEARN MORE
HERE...
..HOW TO OBTAIN AN INSURANCE
LICENSE, AND GET HIRED, START
WORKING IMMEDIATELY WITH ONE
OF THE GREATEST INSURANCE
COMPANY IN THE WORLD?
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Life Insurance
Life insurance, payable when you
die, can provide a surviving
spouse, children, and other
dependents with the funds
necessary to maintain their
standards of living .
LIFE INSURANCE QUOTE. LEARN
MORE..
Ways to Reduce Your Life Insurance
Premium
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Know, The Less You pay. The 10
Best Ways to Lower Your Car
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Dealer Extras You May Not
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At All... Car Dealer Secrets
Revealed..! --
And [ 5] Five Common Car-
Buying Mistakes To Know
About...
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Great Price…. But what
about the Financing? What
you must know, What you
must avoid. ...Learn More !
--
- FINANCIAL EDUCATION
TOOLS AND
RESOURCES; WAYS TO
SAVE MONEY, TO MAKE
MONEY.
DEALERSHIP FINANCING SECRETS
REVEALED. LEARN MORE...
KNOWLEDGEFINANCIAL.COM
South Florida, HOW TO
OBTAIN AN INSURANCE
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The history of the automobile begins
as early as 1769, with the creation
of steam-powered automobiles
capable of human transport. In 1806,
the first cars powered by internal
combustion... LEARN MORE...
''THE WORLD AUTO-INDUSTRY''
The automotive industry designs,
develops, manufactures, markets,
and sells the world's motor vehicles
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Dealers Association ''
National trade association for new
car and truck dealerships. Includes
a dealer guide.
-- LEARN MORE...
--[The World Automobile
Association--]
( The American Automobile
Association]
Know, The Less You pay. The 10
Best Ways to Lower Your Car
Insurance Bill!
'' ..''DEALERSHIP-- 7 Car
Dealer Extras You May Not
Need, Or You Don't Need
At All... Car Dealer Secrets
Revealed..! --
And [ 5] Five Common Car-
Buying Mistakes To Know
About...
.AUTO-LOANS -- Great Car,
Great Price…. But what
about the Financing? What
you must know, What you
must avoid. ...Learn More !
--
- FINANCIAL EDUCATION
TOOLS AND
RESOURCES; WAYS TO
SAVE MONEY, TO MAKE
MONEY.
DEALERSHIP FINANCING SECRETS
REVEALED. LEARN MORE...
KNOWLEDGEFINANCIAL.COM
South Florida, HOW TO
OBTAIN AN INSURANCE
LICENSE, AND GET HIRED,
START WORKING
IMMEDIATELY WITH ONE OF
THE GREATEST INSURANCE
COMPANY IN THE WORLD?
.. AUTOMOBILE HISTORY--
The history of the automobile begins
as early as 1769, with the creation
of steam-powered automobiles
capable of human transport. In 1806,
the first cars powered by internal
combustion... LEARN MORE...
''THE WORLD AUTO-INDUSTRY''
The automotive industry designs,
develops, manufactures, markets,
and sells the world's motor vehicles
''NADA - National Automobile
Dealers Association ''
National trade association for new
car and truck dealerships. Includes
a dealer guide.
-- LEARN MORE...
--[The World Automobile
Association--]
( The American Automobile
Association]
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THE HOME BUYING GUIDE!
--------------------IMPORTANT THINGS
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The home-buying process doesn't
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guide will walk you through the
process and answer your questions on
what you should expect from us as
your realtor, where
to look for loans, and what to watch
out for when closing the deal.
HOME SELLING: WAYS TO SELL A
PROPERTY FAST AND EASY FOR
THE TOP PRICE!
Selling a home is a big decision and
requires a lot of work. From getting
the house ready to reviewing the
escrow papers, our helpful guide will
walk you through the
process of selling your home.
Florida Real Estate for sale:
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extraordinary view,very spacious.
NO OTHER INVESTMENTS BUILD
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COMMERCIAL REAL ESTATE; A
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IN REAL ESTATE
1031 Exchange, Tax Saving Tips for
Real Estate Investors and landlords
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MIAMI REAL ESTATE: The Time is
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investing--
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CALL Mr. ANTONY AT: 786-709-6577
--- Fortune International Realty
Foreclosure
A “Perfect Storm” of events has made
investing in foreclosure properties
better than ever - and now’s the time
for you to profit...
THE HOME BUYING GUIDE!
--------------------IMPORTANT THINGS
TO KNOW BEFORE BUYING...
The home-buying process doesn't
need to be scary. Our step-by-step
guide will walk you through the
process and answer your questions on
what you should expect from us as
your realtor, where
to look for loans, and what to watch
out for when closing the deal.
HOME SELLING: WAYS TO SELL A
PROPERTY FAST AND EASY FOR
THE TOP PRICE!
Selling a home is a big decision and
requires a lot of work. From getting
the house ready to reviewing the
escrow papers, our helpful guide will
walk you through the
process of selling your home.
Florida Real Estate for sale:
Wonderful prices, great location,
extraordinary view,very spacious.
NO OTHER INVESTMENTS BUILD
WEALTH LIKE REAL ESTATE!
NOW REALLY IS A GREAT TIME TO
BUY A PROPERTY:
COMPETITIVE PRICES, LOW
INTEREST RATES, MANY CHOICES
COMMERCIAL REAL ESTATE; A
BETTER WAY TO INVEST AND GET
RICHER! MULTI-WAYS TO WIN BIG
IN REAL ESTATE
1031 Exchange, Tax Saving Tips for
Real Estate Investors and landlords
Give Financial Advantage
MIAMI REAL ESTATE: The Time is
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investing--
A “Perfect Storm” of events has
made investing in Real Estate
properties better than ever - and
now’s the time for you to profit...
CALL Mr. ANTONY AT: 786-709-6577
--- Fortune International Realty
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''How Much are You Over-Paying for Your Auto
Insurance?-
In good times, it's natural that we pay less attention to our individual
expenses. But today, regardless of our current situation, we all need to
save as much money as possible.
And, when it comes to saving money, the experts agree one of the best
places to start is with your auto insurance.
While it’s natural that companies want to generate as much profit as
they can, auto insurance is one area that many people end up paying
way more than they should. That’s because they are unaware of some
key information which insurance companies aren’t in a particular hurry
to share.
What you need to know to make sure your Insurance Company is not
getting
1.Rates are constantly changing. In fact, in certain states and for
certain policies, rates have actually dropped significantly in the past 12
months.
And, if your record has improved, you may even be eligible for
additional reductions. You can be sure, however, that your insurance
company isn’t going to call you up and let you know their rates have
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2.You're not locked in to your policy. Even if you have pre-paid your
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3.Comparing quotes from multiple insurance companies delivers the
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You simply enter your requirements and instantly receive quotes from
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Insurance?-
In good times, it's natural that we pay less attention to our individual
expenses. But today, regardless of our current situation, we all need to
save as much money as possible.
And, when it comes to saving money, the experts agree one of the best
places to start is with your auto insurance.
While it’s natural that companies want to generate as much profit as
they can, auto insurance is one area that many people end up paying
way more than they should. That’s because they are unaware of some
key information which insurance companies aren’t in a particular hurry
to share.
What you need to know to make sure your Insurance Company is not
getting
1.Rates are constantly changing. In fact, in certain states and for
certain policies, rates have actually dropped significantly in the past 12
months.
And, if your record has improved, you may even be eligible for
additional reductions. You can be sure, however, that your insurance
company isn’t going to call you up and let you know their rates have
dropped.
2.You're not locked in to your policy. Even if you have pre-paid your
current insurance company for an entire year, you have the right to
cancel the policy at any time and receive a pro-rated refund. In fact,
there is no cost to switch policies from one company to another.
3.Comparing quotes from multiple insurance companies delivers the
most savings. Today, there are online services that let consumers
quickly shop for the best rates from a nationwide selection of auto
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You simply enter your requirements and instantly receive quotes from
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''What Is Gap Insurance, What Does Gap
Insurance Cover, What Is Gap Insurance For. ?
Gap insurance is usually available as an additional coverage on
your auto insurance. In what way does gap insurance benefit
you? Let’s take a look.
You decided to buy a car and opted for a loan to purchase the
car. A year passes by and you have been paying up your loan
installment accurately, but in the midst of all this your cars get
into an accident and its totaled or it’s stolen. You still need to
pay off the loan balance in this situation.
This is a typical situation in which gap insurance can come to
help. If your car is worth a particular value and you still have a
loan balance to pay off, gap insurance will pay the difference in
these values to you. This is something more than what
comprehensive and collision coverage on your new vehicle
can do for you. --
Remember once you buy a car and the moment it hits the rods,
deprecation starts to take effect. With comprehensive and
collision, you get only the market value of your vehicle.
This value will be 20-30% lower than the purchase price of the
vehicle after depreciation. However, with gap insurance, you
don’t have to bother about this 20-30% because it will pay up
for the difference between the actual loan amount on the car
and the actual market value of the car.
So, if you have bought a car worth $30.000 and a couple of
months later you already paid a total of $5.000 on it, but its
value is $20.000 and you still have a loan balance of $25,000, in
the event your car gets totaled or stolen, gap insurance will
pay for the $5.000 gap remaining.
Gap insurance
You require getting auto insurance...
Gap insurance is mostly available for newly
purchased vehicles, so you may not find an insurance
provider who is offer if for you older vehicles. Very few
insurers offer gap insurance for any vehicle.
If you have decided to go in for gap insurance, check with your
current insurance provide if they have built this into their
premium.
If not, you can purchase it by paying extra. If your current
insurer does not offer gap insurance at all, you have to find one
who does, because not all insurance companies offer this.
You can also purchase gap insurance from he car dealers, but
they dealer? Premium is expensive so you will have to be
ready for this in case you are going to go ahead and buy it from
the dealer.
Insurance Cover, What Is Gap Insurance For. ?
Gap insurance is usually available as an additional coverage on
your auto insurance. In what way does gap insurance benefit
you? Let’s take a look.
You decided to buy a car and opted for a loan to purchase the
car. A year passes by and you have been paying up your loan
installment accurately, but in the midst of all this your cars get
into an accident and its totaled or it’s stolen. You still need to
pay off the loan balance in this situation.
This is a typical situation in which gap insurance can come to
help. If your car is worth a particular value and you still have a
loan balance to pay off, gap insurance will pay the difference in
these values to you. This is something more than what
comprehensive and collision coverage on your new vehicle
can do for you. --
Remember once you buy a car and the moment it hits the rods,
deprecation starts to take effect. With comprehensive and
collision, you get only the market value of your vehicle.
This value will be 20-30% lower than the purchase price of the
vehicle after depreciation. However, with gap insurance, you
don’t have to bother about this 20-30% because it will pay up
for the difference between the actual loan amount on the car
and the actual market value of the car.
So, if you have bought a car worth $30.000 and a couple of
months later you already paid a total of $5.000 on it, but its
value is $20.000 and you still have a loan balance of $25,000, in
the event your car gets totaled or stolen, gap insurance will
pay for the $5.000 gap remaining.
Gap insurance
You require getting auto insurance...
Gap insurance is mostly available for newly
purchased vehicles, so you may not find an insurance
provider who is offer if for you older vehicles. Very few
insurers offer gap insurance for any vehicle.
If you have decided to go in for gap insurance, check with your
current insurance provide if they have built this into their
premium.
If not, you can purchase it by paying extra. If your current
insurer does not offer gap insurance at all, you have to find one
who does, because not all insurance companies offer this.
You can also purchase gap insurance from he car dealers, but
they dealer? Premium is expensive so you will have to be
ready for this in case you are going to go ahead and buy it from
the dealer.
SR22: INSURANCE ---- KNOWLEDGEFINANCIAL.COM
Also called the Certificate of Financial Responsibility (CFR). This documentation proves to the state motor vehicle agency that you have automobile liability coverage..
An SR-22 may be required when insuring a driver with a record as a previously uninsured motorist, DUI or DWI, license suspension or other major driving violations. It is a
certificate that proves you have auto insurance based upon the financial responsibility laws of your state.
An SR-22 is a document required by the court that demonstrates proof of financial responsibility for persons convicted of certain traffic violations.
SR-22 A document that is filed with a state or municipality stating that insurance is in effect for an individual and promising to inform the state or municipality if the coverage
stops.
SR-22 A form that the insurance company files with the state that provides proof that a driver has the state required minimum liability insurance coverage. Also known as
proof of 'financial responsibility', and is usually required for drivers that are convicted of a DUI or another major traffic violation.
KNOWLEDGEFINANCIAL.COM
-----------------------------------------------
''What is FR-44 insurance?
The FR-44 is similar to the SR-22 financial responsibility certificate that you must file with the state after certain convictions though
typically the FR-44 is required after DUI convictions and has higher limits than the SR-22.
The new FR-44 double minimum coverage requirements apply to customers convicted of the above violations on or after January
1, 2008, as well as customers previously convicted of these violations that are required to file an SR-22 certification beyond December 31, 2008.
The financial responsibility form FR-44 serves as evidence to DMV that above coverages was purchased by the required driver.
Individuals are responsible for purchasing the required insurance coverage and having their insurance company file the FR-44 form with DMV. If DMV does not receive the
FR-44 when the person's new policy is issued or when the current policy is renewed, the DMV states they will suspend the person's privileges to:
In Florida the FR-44 became required in February 2008. Those convicted of a DUI in FL after October 1, 2007 were allowed to keep an SR-22 with limits of
10/20/10 until February 1, 2008. Effective February 2, 2008, drivers in FL with a DUI were required to up their Liability limits.
The FL FR-44 has higher limits in the amount of 100/300/50. A driver must have these new required Liability limits (instead of the previously lower limits of
10/20/10) in place on the offense date of the alcohol related offense to not owe a reinstatement fee but will still need to provide the state with an FR-44. If they did not have the
required limits a driver who had their license reinstated prior to February 2, 2008, only paid a $15 reinstatement fee. The reinstatement fee on or after February
2, 2008, is now $150, $250, or $500 dollars.
The FL HSMV explains these fees as the reinstatement fee on the first suspension after the law change is $150, a second
suspension $250 and for a third suspension $500 dollars.
Every owner or operator of a motor vehicle that is required to be registered in this state, or that is located within this state, and
who, regardless of adjudication of guilt, has been found guilty of or entered a plea of guilty or nolo contendere to a charge of
driving under the influence under s. 316.193 after October 1, 2007, shall, establish and maintain the ability to respond in damages for liability on account
of accidents arising out of the use of a motor vehicle in the amount of $100,000 because of bodily injury to, or death of, one person in any one crash and, subject to such limits
for one person, in the amount of $300,000 because of bodily injury to, or death of, two or more persons in any one crash and in the amount of $50,000 because of property
damage in any one crash.
The HSMV notes that these Bodily Injury Liability (BIL) and Property Damage (PDL) limits do not change for second or
subsequent DUI convictions.
So with the FR-44 in Florida if you were convicted of a DUI or other certain alcohol related driving offenses after October 1, 2007
you would be required to carry a FR-44 with limits of 100/300/50. Any SR-22 received during the time period of October 1, 2007 through February 1, 2008, was
accepted by the state at the 10/20/10 limit but then the driver and insurance company should have been notified by the FL HSMV reporting process and requirements to be in
compliance with section F.S. 324.023. Part of this notification was advising the driver that they would need to replace the SR-22 on file with an FR-44, prior to February 4, 2008.
Typically a SR-22 or FR-44 is required for 3 years however state laws are amended and so if you are required to carry either a SR-22 or FR-44 filing with
Virginia, Florida or another state you should find out from the court or state's Department of Motor Vehicles how long you must keep this certificate of financial responsibility
on file with the state. --
Also called the Certificate of Financial Responsibility (CFR). This documentation proves to the state motor vehicle agency that you have automobile liability coverage..
An SR-22 may be required when insuring a driver with a record as a previously uninsured motorist, DUI or DWI, license suspension or other major driving violations. It is a
certificate that proves you have auto insurance based upon the financial responsibility laws of your state.
An SR-22 is a document required by the court that demonstrates proof of financial responsibility for persons convicted of certain traffic violations.
SR-22 A document that is filed with a state or municipality stating that insurance is in effect for an individual and promising to inform the state or municipality if the coverage
stops.
SR-22 A form that the insurance company files with the state that provides proof that a driver has the state required minimum liability insurance coverage. Also known as
proof of 'financial responsibility', and is usually required for drivers that are convicted of a DUI or another major traffic violation.
KNOWLEDGEFINANCIAL.COM
-----------------------------------------------
''What is FR-44 insurance?
The FR-44 is similar to the SR-22 financial responsibility certificate that you must file with the state after certain convictions though
typically the FR-44 is required after DUI convictions and has higher limits than the SR-22.
The new FR-44 double minimum coverage requirements apply to customers convicted of the above violations on or after January
1, 2008, as well as customers previously convicted of these violations that are required to file an SR-22 certification beyond December 31, 2008.
The financial responsibility form FR-44 serves as evidence to DMV that above coverages was purchased by the required driver.
Individuals are responsible for purchasing the required insurance coverage and having their insurance company file the FR-44 form with DMV. If DMV does not receive the
FR-44 when the person's new policy is issued or when the current policy is renewed, the DMV states they will suspend the person's privileges to:
In Florida the FR-44 became required in February 2008. Those convicted of a DUI in FL after October 1, 2007 were allowed to keep an SR-22 with limits of
10/20/10 until February 1, 2008. Effective February 2, 2008, drivers in FL with a DUI were required to up their Liability limits.
The FL FR-44 has higher limits in the amount of 100/300/50. A driver must have these new required Liability limits (instead of the previously lower limits of
10/20/10) in place on the offense date of the alcohol related offense to not owe a reinstatement fee but will still need to provide the state with an FR-44. If they did not have the
required limits a driver who had their license reinstated prior to February 2, 2008, only paid a $15 reinstatement fee. The reinstatement fee on or after February
2, 2008, is now $150, $250, or $500 dollars.
The FL HSMV explains these fees as the reinstatement fee on the first suspension after the law change is $150, a second
suspension $250 and for a third suspension $500 dollars.
Every owner or operator of a motor vehicle that is required to be registered in this state, or that is located within this state, and
who, regardless of adjudication of guilt, has been found guilty of or entered a plea of guilty or nolo contendere to a charge of
driving under the influence under s. 316.193 after October 1, 2007, shall, establish and maintain the ability to respond in damages for liability on account
of accidents arising out of the use of a motor vehicle in the amount of $100,000 because of bodily injury to, or death of, one person in any one crash and, subject to such limits
for one person, in the amount of $300,000 because of bodily injury to, or death of, two or more persons in any one crash and in the amount of $50,000 because of property
damage in any one crash.
The HSMV notes that these Bodily Injury Liability (BIL) and Property Damage (PDL) limits do not change for second or
subsequent DUI convictions.
So with the FR-44 in Florida if you were convicted of a DUI or other certain alcohol related driving offenses after October 1, 2007
you would be required to carry a FR-44 with limits of 100/300/50. Any SR-22 received during the time period of October 1, 2007 through February 1, 2008, was
accepted by the state at the 10/20/10 limit but then the driver and insurance company should have been notified by the FL HSMV reporting process and requirements to be in
compliance with section F.S. 324.023. Part of this notification was advising the driver that they would need to replace the SR-22 on file with an FR-44, prior to February 4, 2008.
Typically a SR-22 or FR-44 is required for 3 years however state laws are amended and so if you are required to carry either a SR-22 or FR-44 filing with
Virginia, Florida or another state you should find out from the court or state's Department of Motor Vehicles how long you must keep this certificate of financial responsibility
on file with the state. --
