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keysMost people haven’t ever heard of sr22 insurance. If they have, it was on an advertisement and left them with tons of questions. Do I need sr22 coverage? What is sr22 coverage? We’ll put those questions to rest in our FAQ Sr22 post today:

What is SR22?

An SR22 is not actually a type of insurance coverage, even though it is commonly called SR-22 Insurance. It is actually a certificate of insurance that gets filed with the state that certifies that you actually have the legally required amounts of insurance coverage in your state.  It lets the state know that you are covered with at least the legal amount of insurance coverage.

Why would someone need an SR22?

There are many reasons why someone might need to get a SR-22 certificate. Usually, it is required because there was something on their record that may suggest that the driver’s insurance coverage wasn’t sufficient. Some of the common reasons why someone may be required to get a sr-22 insurance certificate are:

  • Previously convicted for driving without insurance
  • Previously convicted of a DUI, DWI or other substance abuse offense
  • Previously convicted for a major moving violation or reckless driving
  • Too many tickets or infractions within a short period of time
  • License suspended and needed to be reinstated for one reason or another

How does one obtain an SR-22?

You have to get your SR22 certificate through a qualified insurance company. The company that has your car insurance can typically issue the sr22. Ask your insurance company for help and they’ll show you how to file it and take care of a lot of the work for you.

How long do you have to keep an SR22?

Usually, one sr22 certificate will last up to 5 years. It depends though on which state it was issued in, and how bad the offense requiring you to have sr-22 was. You will be notified by the DMV how long you’ll need it to be.  If you have any lapses in payments, changes in the policy or missed payments, your insurance company is required to report it to the DMV.

Do you need to own a car to have SR22 coverage?

If you don’t own a car you still may be required to get sr22 coverage. Sr-22 insurance companies can help you get a “non-owner sr22″ policy.

If you still have questions about SR-22 insurance give us a call today.  No matter what your background is, we’ll be able to find a solution for you.

Why get Business Liability Insurance?

man's foot about to slip on banana peelAccidents can happen anywhere, at home or at work. Most homeowner’s have a homeowner’s insurance policy to protect themselves against these accidents. Business owner’s are less likely to have a strong liability insurance policy even though accidents are just as likely to happen at the workplace. Business insurance should be an important part of any company’s business plan.

Business liability insurance can help save your company from going under if an accident were to occur. Commercial General Liability (aka CGL) insurance will be there to help you if your company were to be sued.

CGL protects you if your company is sued by someone else. It will help you come up with representation and help you plead your case as well as help cover fees. Commercial General Liability Insurance’s main function is to provide bodily injury and property damage liability as well as personal injury liability. It will help cover you if one of your employees causes damage to someone else’s property, or even if someone were to be injured on your company property or by an employee during business hours. The most common bodily injury claim is when someone slips and falls at a business location and is injured.

As you can see, having business insurance is extremely important to keeping your business running smoothly and for preparing for the worst. Your business is your livelihood, and if an accident were to happen, you want to be protected so that your business can thrive through those challenging times.

Tips to Make Your Home Safer

FS36As the saying goes, “there’s no place like home”. We feel the most at ease and comfortable when we’re at home, but did you know that over twenty million people are injured and hospitalized because of accidents that happen inside the home?  Of those twenty million, twenty thousand sadly cause death.

The good news is, there are ways you can significantly reduce your chances of these accidents happening in your home by following a few safety tips.

Eliminate Hazardous Areas
Falling or slipping is the most common way someone could get injured in your home, so being proactive about finding and eliminating high fall prone areas can be a huge step in increasing the safety of your home.  Walk through all the rooms of your home and look for areas that could cause someone to fall. Keep areas free of clutter and secure all of your rugs firmly against the floor with special rug mats.  If you have any exposed wires, make sure they are out of the way so someone doesn’t trip on them. Also, make sure the lighting around these areas is bright so people can see where they are going.

Lock Up Toxic Substances
Poisonous substances (medicines, cleaners, gasoline, lighter fluid, among others) should be placed out of reach and out of sight.  Children will likely get into low cupboards and experiment with bottles of substances, especially when they know they’re not supposed to touch them!  Keep the lids securely fastened to these bottles and always lock up medicines in their original containers and out of reach. Have your local poison control center’s phone number somewhere handy in case of an emergency.

Purchase a Good Homeowner’s Insurance Policy
A well balanced homeowner’s insurance policy can help you out in the case of a disaster or misfortune. Even if you followed the tips above, someone could still get injured on your property and can end up needing medical attention, which could cost you thousands of dollars in the long run.  A good homeowner’s insurance policy can help you prepare for these situations and you’ll have the peace of mind that if there were to be an accident, you’d be covered.

End of Summer Car Care

It’s pretty common that most drivers drive more during the summer months than any other time during the year. Kids are out of school and trips to the beach and road trips are common. Summer can put your car through the ringer so don’t forget to take care of your vehicle at the end of the season.

The extra mileage and wear and tear on your car during the warmer summer can make your car tired and worn. There area few things that you can do to help get your car back in prime condition:

Check Your Tires
Check your tire pressure often to make sure you’re within the range that your specific tire manufacturer has suggested. Proper tire pressure can have a drastic effect on the wear and tear on the rest of your vehicle. Also, if you haven’t done so recently, get your tires rotated.

Check Your Car’s Battery
The warm summer temperatures can cause your battery fluid to evaporate faster than it would in colder months. If your battery doesn’t have enough fluid it can begin to corrode and eventually fail. Check for leaks or cracks around the battery and clear away any rust or corrosion around the connection points.

Wash Your Car
Pay special attention to the undercarriage of your vehicle. Clear away any buildup of dirt or grime as it can hold in heat and cause your car’s cooling system to have to work double time.

Lastly, take your car in for a tuneup before the rainy and snowy weather starts up. Be prepared for the months ahead and treat your car with care.