Archive for October, 2011

Big News For Arizona Drivers – No More Leniency For Not Having Insurance

Newsflash for Arizona drivers! According to reports of a recent legislative session Arizona is cracking down on drivers hitting the roads without insurance.

The bill known as HB2224 passed recently and came into effect October 1 this year, meaning trouble for any driver who is looking to get from place to place without proper insurance for their vehicle. In the past most penalties or fines for driving without insurance that went to court were either reduced or thrown out entirely. The new bill however does not allow any dismissal of a fine should you be found to be driving without insurance. This means trouble for anyone who has gotten away in the past and was hoping to continue getting away in the future.

A first offense under the new bill can lend you a hefty $720 fine with a $970 fine for a second offense at a $1200 fine with a one-year license suspension for a third offense. Like many states to be allowed to drive again once you have had your license suspended due to driving without insurance you must also file and carry an SR22 documentation form proving your insurance coverage both presently and for three years in the future or your license may remain permanently suspended.

Read the rest of this entry »

If a Thief Decides to Break Into Your Car, What’s Your Auto Insurance Really Going to Pay For?

Do you really like writing hundred dollar checks? Of course you don’t. No one does. There are so many other things you could be doing with that money that sometimes it’s almost physically painful to drop the check in the mail each month to pay off the bill to your auto insurance. But the consequences of not having insurance coverage really doesn’t bear thinking about, especially if you live in a high crime neighborhood.

The question is, if your car is broken into how much is your auto insurance company really going to pay for?

Read the rest of this entry »

California Commercial Vehicle Insurance

If you drive a commercial vehicle (big rig, delivery truck, bus, etc.) in California you should be aware there are certain legal requirements for vehicle insurance that you must maintain. Because commercial vehicles can often carry hazardous materials or precious cargo (such as our children) the insurance requirements for them are much higher than traditional automobile coverage.

Not all insurance companies offer commercial vehicle insurance. Some companies that specialize in auto coverage have a separate division that handles heavy vehicle insurance underwriting. Many times you can consult with your agent who can inform you of their coverage availability or refer you to another insurer who may be able to handle your commercial needs.

Read the rest of this entry »