At some point, it is possible that you may need to have SR22 Insurance. SR22 Insurance is actually not insurance at all, but a certificate that proves you carry insurance and meet your states liability requirements. The reasons why you may have to carry a SR22 vary and can include:

• Driving Under the Influence of Alcohol or Drugs
• Too Many Tickets
• Too Many At-Fault Accidents
• Reckless Driving
• Driving Without Insurance
• Driving While Suspended

Who writes SR22 Insurance?

There are several top-rated insurance companies that will write SR22 Insurance. Because we’re an independent agent, we can compare rates between them to find you the best price and coverage for your situation.

Is SR22 Insurance expensive?

Generally speaking, yes you will pay quite a bit more for SR22 Insurance. Because you’re higher risk and insurance companies base their premiums on risk, your insurance coverage will likely be higher than before you needed the SR22.

What do I do with my SR22 certificate?

You actually don’t have to do anything. Your insurance company will notify the correct departments on your behalf. As long as you pay your premiums. If your coverage lapses, they will notify the state that your coverage has lapsed and you will then no longer be able to drive until you get it reinstated.

How long do I need to have an SR22?

It depends, but often times you will be required to carry SR22 Insurance for a three year period. Check with your local agencies for your specific situation.

Can I add an SR22 to my existing policy or do I need new insurance?

Some insurance companies will not accept a driver who needs SR22 Insurance, so check with your agent. We will be able to tell you whether or not you need a new policy or can simply add one to your existing insurance policy.

We can help you identify a company who can write your SR22 insurance. While many dread having to carry one, we can make it quick and easy and even issue the policy over the phone for you so you can get back on the road. Call our office or request a quote online.

I don’t even own a car! Why do I need SR22 insurance?

This is referred to as non-owners SR22 insurance. The coverage covers the individual with a driver’s license, not a vehicle. Each state varies with different laws so be sure to talk to one of our agents to see exactly what you need.

If you need a SR22 Insurance policy, contact our office and ask to speak with a licensed auto insurance agent. We will make the process quick and easy for you, offering you many choices between companies as well as payment options to help you along the way. Contact us today.

Whether you are thinking of starting a new career or simply want to make some extra income during your down time, working for companies like Uber or Lyft can be a good move. However, you will need specific insurance to be fully covered as your personal auto insurance policy and the insurance provided by Rideshare companies provides gaps in coverage or potential excess liability.

Ridesharing is defined as: individuals who use their own vehicle to transport people from point A to point B in exchange for money.

If you are considering working for other companies such as DoorDash, Grubhub, Postmates, Uber Eats, Instacart or other delivery type companies, you would want a rideshare insurance policy as well.

A rideshare insurance policy provides coverage during:

• Waiting for a ride request.
• When you accept a ride request and are on the way to pick up the rider.
• When you pick up the rider & drive to the destination.

In what situations does my personal auto insurance cover me?

• When you are offline or not using the Uber/Lyft app.
• The period after you’ve dropped off a passenger but are still logged in and are waiting to match with another passenger (for instance, you roll forward and hit another vehicle with no rider in your car).

Does Uber or Lyft or any other rideshare company provide insurance for you?

Uber maintains insurance on your behalf such as third party liability, uninsured/underinsured motorist bodily injury and contingent comprehensive and collision coverage.

However, your current auto insurance policy may offer a rideshare endorsement that can be added to your policy. You may receive additional coverage too that goes above and beyond the limits provided by the Rideshare company. Talk to one of our agents first. We’ll explain the difference in coverage options.

What if I don’t have rideshare insurance & I’m involved in an accident?

The consequences of not having a rideshare insurance endorsement could result in a denial of coverage by your main auto insurance company. Whether you fail to tell them you are using your car for rideshare services or simply didn’t know you needed the insurance endorsement on your main auto policy, could leave you liable for the entire loss. This leaves you with paying for injuries, medical bills, car repairs, property damage etc. if you get into an accident.

If you are considering a career or part time job for any rideshare company, reach out to our agency! Rules and regulations change regularly, so be sure to research yourself what changes may have occurred since this article was written. We can go over many coverage options with you to ensure you have the right insurance protection. Getting the right policy is easy, we just need to know that you’re driving for a Rideshare company and we can get you the right policy.

We all know the importance of having a smoke detector in our home, but what about a carbon monoxide detector?

Carbon monoxide is a colorless, odorless gas that can be lethal. Carbon monoxide can build up in your home whenever you burn fuel from a stove, grill, furnace, fire place or from your vehicles in the garage. Obviously, we need to use these appliances every day, as well as drive a vehicle, so how can we keep safe?

Simple tips to prevent carbon monoxide poisoning

1.)    Install a carbon monoxide detector on every level of your home. Check the batteries every 6 months, however, it should alert you with a beep with batteries are low.

2.)    Ensure you get your fuel burning appliances checked every year by a qualified technician. You should get in the habit of looking for rust on vents or loose/disconnected pipes on appliances like your water heater, heating system or any other gas, oil or wood/coal burning appliance.

3.) Use portable gas stoves or burn charcoal outside only.

4.) Keep generators outside and away from open windows only. Using them in a garage or carport can be dangerous.

5.) Don’t attempt to heat your house temporarily by turning on your oven or gas stove.

6.) Get your chimney checked every year. Debris can block your chimney and cause carbon monoxide to build up in your home. You can check your chimney yourself for any cracks.

7.) Never leave your car running while it sits in the garage.

Did you know they make a battery operated combination detector for both a smoke and carbon monoxide? Combination detectors can save space and batteries in addition to lives.

Even a single carbon monoxide detector in your home could save lives. If you rent a home or apartment that does not currently have a carbon monoxide detector, ask your landlord to provide one. Many states require that homes have them installed. Review your state laws here.

If you have questions about your home or renters insurance, contact our agency. We can go over your current coverage or provide you with an insurance quote.

Renters insurance is a great thing to have if you’re not a homeowner. We’ll answer the top questions we get about renters insurance below.

How Much Is Renters Insurance Per Month?

The cost of renters insurance can vary depending on what your coverage limits are and what you want covered. It can also vary because of your credit score or previous loss history. In general, a policy with average limits with clean credit and no loss history will run you about $15-25 a month.

What Is The Best Renters Insurance Policy?

The best renters insurance policy is a policy that provides you the best coverage at a price that you’re comfortable with.

Should I Get Renters Insurance?

Everyone should carry renters insurance if they rent a home or apartment. Renters insurance covers more than just your things. It provides you with a liability insurance policy to protect your assets. Renters insurance will protect you with coverage from theft and fires too.

Is Renters Insurance Worth It?

If you’re a renter, getting a renters insurance policy is always worth it. At less than a dollar a day, it is an affordable insurance policy that protects you and your assets.

What Does Renters Insurance Cover?

Renters insurance covers a variety of things from your personal items like your computer and couch to your clothes. It also provides you with liability protection in the event you are found liable for injuries to others you’re found liable for as well as provides you with temporary living expenses if your home becomes uninhabitable for periods of time.

Can a Landlord Require Renters Insurance?

Yes, landlords can require you to carry a renters insurance policy. Many renters assume their landlord’s insurance policy will cover their personal items in the event of a loss, but that is not true.

Can I Use My Roommate’s Renter’s Insurance Policy?

No, roommates are specifically excluded from renters insurance policies unless they are listed on the policy by name. Roommates are excluded from coverage for personal property, loss of use and liability coverage.

We always recommend a renters insurance policy. If you have questions about your renters insurance or would like to get a renters insurance quote, please contact us.

You’ve worked hard for your assets. Whether it’s purchasing your home, an investment property or vehicle or saving for retirement, it has taken years and years of consistent hard work to build what you have. Did you also know that your future income can be considered an asset too? So, how can you protect your assets?

By purchasing an umbrella insurance policy.

But, I have insurance for my home and vehicles? Yes, we need insurance for our car and home. But, there are limits on how much you are protected. For example, you get into a car accident where you are at fault. Your insurance policy covers you for $250,000 in 3^rd party damages. However, the other individuals in the car accident needed medical attention & their car was totaled. The total damages for the other party cost $350,000.

You are responsible for the remaining $100,000. If you have an umbrella insurance policy, it would then kick in to cover this excess liability. If you don’t have an umbrella policy, would you be able to foot the bill? If you cannot pay for the remaining balance, a court may issue your future wages to be garnished or they may target your other assets.

Would you prefer to rest easy knowing you have an extra layer of insurance coverage to protect your assets?

There are countless ways to exceed the limits of your home or auto insurance policy. Get peace of mind with an umbrella insurance policy. It eliminates the gaps and insufficient limits on your insurance policies. You’ll be amazed at how affordable coverage can be.

Four levels of protection:

By purchasing an umbrella policy, you increase the limits of liability on:

• Bodily injury: Medical bills and settlement for injuries sustained to the third party.
• Property damage: Damages sustained to the property of a third-party.
• Other damage: Libel & slander, other claims expenses.
• Legal fees: Hiring an attorney can be expensive. An umbrella insurance policy helps cover the cost.

If you have questions about purchasing a personal umbrella insurance policy, contact our agency! Our licensed agents can go over coverage options or simply provide a free quote.