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All About SR-22's
In Arizona, an SR-22 is obtained by
purchasing a policy that contains at least the state minimum limits for
liability. A policy with an SR22 is exactly the same as one without, the
difference is that once an Insurance Company has issued an SR-22, it is
required to immediately notify the Motor Vehicle Department (MVD) whenever that policy cancels
or that vehicle has been removed. This is a way for the MVD to "keep tabs" on whether or not someone has insurance. The
MVD usually requires you to prove you have insurance with an SR-22 for a
period of 3 years. After that, you don't have to prove it but you still are
required by law to have it.
Causes. The two most common reasons the MVD will require an SR-22 are:
you or your vehicle have tickets for no insurance or you had a major
violation such as DWI, reckless driving or you are reinstating a
suspended license.
Penalties.
When your vehicle has too many no insurance tickets, the SR-22 is for
your
registration and it will be suspended if you don't get and keep an SR-22
for the time specified by MVD.
If you have major violations, the SR-22 is for your license
and it will be suspended
if you don't get and keep an SR-22 for the time specified by MVD.
It is important to know about this
ahead of time since a lapse in coverage may result in a
suspension of your driver license and/or registration from MVD and they may
require heavy fees to reinstate.
Non Owners SR-22.
The state may require you to get an SR-22 to get your license
reinstated. If you don't own a vehicle, you will have to purchase a
non-owners policy. This type of policy will cover you on any vehicle
that you drive that you are not the owner of. This type of policy can
be about 20% higher or 20% lower than a regular policy, depending on the
insurance company.
Cost. The
cost to add an SR-22 to your policy varies from company to company.
Most charge a one time fee of 10 to 20 dollars. Some companies charge
a few dollars more every month and other companies will give you one for free.
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Se Habla Espanol, We have Spanish speaking agents in Mesa, Phoenix, Tempe, Phx, Chandler, Avondale, Tolleson, Awatukee, Gilbert and all of AZ. We give instant quotes from Progressive Insurance, Encompass,
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Low deductible for Bristol West, CNIC Basic Level or Arrowhead Lincoln
General. Along with towing reimbursement, rentaAccidental death coverage is sometimes a part of
Personal Injury Protection or First Party Benefits plans.If a covered individual
dies from accident-related injuries, this coverage provides a payment to the
insured's designated beneficiary.Actual Cash ValueThe current value of property,
which is the cost to replace that property less the amount it would have
depreciated since the original purchase date.Adjuster An adjuster is the person
who investigates and settles claims on behalf of the insurance company.
Agent/Broker Agents and brokers both sell and manage insurance for clients.
Agents are the authorized representatives of an insurance company or companies,
while brokers are the authorized representatives of parties seeking insurance.
Anti-Theft Recovery System This system consists of an electronic device that is
installed in a concealed area of your car. If your car is stolen, you can
activate the device and it will emit a signal that police cruisers equipped with
appropriate sensing equipment can use to locate your vehicle.The system can be
effective over a radius of several miles, depending on local geography. Ask your
car dealer or nearby police department which brand of recovery systems are
supported in your area.A benefit is the amount paid by an insurance company to
you or your beneficiary when you file a claim. Bodily Injury Liability Coverage
Bodily injury liability coverage protects you if you are held responsible for
injuring someone else in an auto accident.This coverage helps pay for the
injured party's medical expenses, pain and suffering and lost wages. Bodily
injury liability may also help pay your expenses in a related lawsuit.The amount
paid by bodily injury liability coverage is capped at the limit you purchase.
Business Use This means that you use your car for business purposes such as
sales, service, or delivery calls, work-related errands (such as trips to the
bank or post office), and other work-related driving. Commuting to and from work
is not considered business use.Claim A claim is a policyholder's request for
reimbursement of a loss that is covered by the their insurance. Collision
Coverage Collision coverage helps pay for auto repair or replacement costs if
your car hits another vehicle/an object or if your car rolls over. The maximum
amount paid for repair or replacement is the car's actual cash value, less the
amount of the deductible you select. Collision Deductible Waiver This coverage
pays the deductible for your collision coverage if you are involved in an
accident in which an uninsured motorist is held legally responsible for the
accident.The collision deductible waiver is not available in all states Where
available, this coverage must be purchased in conjunction with collision
coverage. Commuting If you primarily use your car for commuting, this means that
you are typically driving it to and from work or school on a regular basis
Comprehensive Coverage Comprehensive coverage helps pay for damage to your car
resulting from fire, certain natural disasters, falling objects, and vandalism.
Theft is also covered.The maximum amount paid for repair or replacement is the
car's actual cash value, less the amount of a deductible you select.
Continuously Insured The length of time you have been continuously insured is
the number of years you have been covered by one or more insurance companies
without any lapse in coverage. Declarations The declarations page shows the
factual information essential to the insurance contract: the policyholder's name
and address, a description of the insured property, the premiums to be paid, as
well as the limits and deductibles for different coverages. Deductible For some
insurance coverages, you are asked to choose a deductible. The deductible is the
portion of losses that you agree to pay in the event of an accident.Though
choosing a higher deductible can substantially lower your insurance premium, if
an accident occurs, you must pay the full, pre-established amount of the
deductible in order to receive payment from your insurance provider. Defensive
Driver and Driver Improvement Courses These courses consist of defensive driving
training for drivers of all ages as well as "mature driver safety courses"
intended for drivers age 55 and over. You may qualify for a discount on your
insurance premium if you have completed such courses. Depreciation Depreciation
is the decline in an object's value due to age, wear and tear, or obsolescence.
Effective Date The effective date is the date your insurance coverage begins.
You are not covered prior to a policy's effective date. Emergency Road Service
This optional coverage pays a fixed amount toward vehicle towing if your car
breaks down or if it is disabled in an accident. Endorsements Also known as
riders, endorsements are changes to the original insurance contract, such as a
different deductible or an additional car or driver. Exclusions Exclusions are
situations that are not covered by a given insurance policy. Specific exclusions
are listed on your insurance policy. Extraordinary Medical Extraordinary medical
coverage is sometimes a part of Personal Injury Protection or First Party
Benefits plans. Extraordinary medical coverage protects you in the event you
suffer accident-related injuries that require serious and/or long-term medical
care. Extraordinary medical coverage begins once you have exhausted the limit on
your standard medical benefits coverage. Full CoverageFull coverage denotes an
insurance policy containing all coverage legally required in a given state. It
does not imply the policyholder will always be fully covered. Garaging Location
The garaging location is where an insured vehicle is primarily parked. This
location is usually the ZIP code of the policyholder's primary residence.Income
Loss Income Loss coverage is sometimes a part of Personal Injury Protection or
First Party Benefits plans. Income loss coverage protects you if you are unable
to work due to accident-related injuries. It helps you recover portions of your
lost salary and other expenses you may incur as you try to return to
work.Indemnity An indemnity is a pre-determined sum paid for a covered loss. To
indemnify is to make compensation to for damage, loss or injury
suffered.Insurance Claim Report Insurance claim reports provide details about
claims you or other insured drivers have filed with insurance companies. These
reports are provided by independent consumer reporting agencies that collect
claim information from a variety of insurance companies. One of the most common
agencies issuing such reports is C.L.U.E., the Comprehensive Loss Underwriting
Exchange.Insurance Score Insurance scores are based on analytical models that
objectively measure the relative likelihood of future insurance losses based on
your credit history. These scores and analyses of their significance are
provided by independent consumer reporting agencies.Insured The insured is an
individual covered by a given insurance policy. Liability is a term that broadly
means legal responsibility. If you run a stop sign and hit another car, you may
be found liable for the damages to the other driver's auto.Liability Coverage
Liability coverage protects you from having to deplete your assets to pay for
damages if you are held responsible for injuries or damages arising from an auto
accident.The two main types of liability coverages in an auto insurance policy
are bodily injury and property damage.Arizona law currently requires vehicles to
carry a liability insurance policy with a minimum of $15,000 for one person and
$30,000 total per accident for Bodily Injury coverage. This policy also must
carry a minimum of $10,000 for property damage coverage. This is often referred
to as "15/30 10". Limits Limits are the maximum amount an insurance company will
pay for a covered loss. While you can choose the limits you want to purchase for
certain coverages, some states require you to buy limits no lower than a certain
amount.Medical Benefits Medical Benefits coverage is sometimes a part of
Personal Injury Protection or First Party Benefits plans. Medical expenses that
are the direct result of accident-related injuries are covered. Covered medical
expenses are limited to the amounts you specify. Medical Payments Coverage This
coverage pays medical bills and/or funeral expenses if a covered driver and/or
accompanying passengers are injured or killed while in an insured vehicle,
regardless of fault in an accident.This may also cover policyholders and their
family members when in others' vehicles, or when policyholders and their family
members are on foot and hit by a car.The amount paid by medical payments
coverage is capped at the limit you select.Motor Vehicle Report A Motor Vehicle
Report (MVR) provides information on your driving record. This report includes
accidents and moving violations. Insurance carriers obtain MVRs from states
where you or other insured drivers have been licensed to drive. National
Credit File The National Credit File provides objective consumer information
regarding the financial history of an individual. Information contained in this
report is often used to calculate insurance scores. Non-Passive Alarm A
non-passive alarm must be manually activated every time you leave the car. If
someone attempts to open your car, the alarm sounds, and the system disables the
automobile's starter, ignition system, and/or fuel circuit.You may qualify for a
discount on your insurance premium if your car is equipped with such an alarm.
Occasional Driver An occasional driver is a driver who is not the most frequent
driver of the insured vehicle.Passive Alarm Passive alarms are automatically
activated and will emit a warning sound when someone attempts to open your car.
Once the passive alarm has been triggered, the system disables the automobile's
starter, ignition system, and/or fuel circuit.You may receive a discount on your
insurance premium if your car is fitted with such an alarm. Personal Injury
Protection Personal Injury Protection, or PIP, is a set of coverages available
only in certain states, where it is often mandatory. PIP generally includes
expanded coverage of medical costs and, in some states, PIP also pays for lost
wages and similar losses. Specific protections afforded by this coverage and
limits on PIP payments vary widely from state to state. Pleasure Use If you use
your car for pleasure, this means that you are typically driving for fun, with
no regular commuting or business use.Policy Expiration Date The policy
expiration date is the date coverage under a current insurance policy ends if
the policy is not renewed. The expiration date can be found on the declarations
page of a policy, on a proof of insurance card, or on a recent renewal
notice.Policy Term A policy term is the length of time an insurance policy is
valid. Premium Money that is related to payment for insurance coverage. Primary
Driver The primary driver is the person who drives the car most frequently.
Primary Use A vehicle's primary use is how the vehicle is typically used. This
use may be characterized as commuting, business use, or pleasure use. Primary
Policyholder The primary policyholder is the person who serves as the main point
of contact with your Agent. Typically, the primary policyholder is also the
person billed for the policy, though any person listed on the policy can make
the premium payment. Liability Coverage Property damage liability coverage
protects you if you are held responsible for damaging someone else's property in
an auto accident.Property damage coverage helps you reimburse another person for
their damaged property (such as a car, a fence, or a home). This coverage also
helps pay your expenses in a related lawsuit.The amount paid by property damage
liability coverage is capped at the limit you select. Rental Car Reimbursement
Rental car reimbursement is an optional coverage that helps pay your rental car
expenses if an insured vehicle is damaged or stolen and you require a rental
car. SR-22 An SR22 is a document that shows proof of financial responsibility.
Courts may require an SR-22 for people convicted of certain traffic violations.
Secondary Driver A secondary driver is a driver who is insured for driving a
covered vehicle, but is not the primary driver. A secondary driver is also
sometimes known as an occasional driver. State Liability Limits Arizona law
currently requires vehicles to carry a liability insurance policy with a minimum
of $15,000 per person and $30,000 per accident for Bodily Injury coverage and a
minimum of $10,000 for property damage coverage.Steering Restraint A steering
restraint is a durable collar or shield fitted to the upper and lower casing of
your car's steering column. The collar makes it more difficult for potential
thieves to access, or "hotwire" your car's ignition system.You may qualify for a
discount on your insurance premium if your car is fitted with a steering
restraint. Tort Tort is a legal term used to describe instances when someone is
deemed legally responsible for injuring another person or damaging his/her
property. Towing Coverage This optional coverage pays a fixed amount
toward vehicle towing if your car breaks down or if it is disabled in an
accident.Underinsured Motorist Bodily Injury Coverage Underinsured motorist
bodily injury coverage is optional in the state of Arizona.This coverage pays
for your medical expenses, lost wages, and other damages when you or your
passengers are injured in an accident caused by a driver who has insufficient
insurance coverage.This coverage typically pays the difference between your
coverage and the other driver's bodily injury coverage. The amount paid by
underinsured motorist bodily injury coverage is capped at the limit you
select.This coverage does not apply to damage to your vehicle.Uninsured Motorist
Bodily Injury Coverage Underinsured motorist bodily injury coverage is optional
in the state of Arizona.This coverage pays for your medical expenses, lost
wages, and other general damages when you or your passengers are injured in an
accident caused by a driver who has no insurance coverage. Uninsured motorist
coverage also pays for injuries sustained in hit-and-run accidents. The amount
paid by uninsured motorist bodily injury coverage is capped at the limit you
select.This coverage does not apply to damage to your vehicle.The VIN, short for
vehicle identification number, is the unique 17-digit number found on every car.
It contains the vehicle's serial number, as well as abbreviations for the make,
model, and year. The number appears on your vehicle registration card. It is
also engraved in your car, near the base of the windshield on the driver's side
dashboard and/or on the edge of the driver's side door. Arizona Auto Insurance & Homeowners Insurance. We Compare
Rates From Over 50 Companies And Give The Best Rates To You. An
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