Teen dies in accident while texting

Teen dies in accident while texting.

Teen dies in accident while texting

How many accidents like this is it going to take before texting and driving becomes illegal.

It should be treated no different than driving on a suspended license or driving under the influence of drugs or alcohol.

Insurance rates would be raised for drivers who are ticketed for texting and driving.

It is just as easy as enforcing seat belt laws.

It is very easy to see drivers who are texting.

The decision should be made at the state level and not the Department of Highway Safety and Motor Vehicles

Texting while driving legalities

Texting while driving is illegal in some form or another in many cities, states and counties.

Many more to follow and probably someday will be similar to wearing a seat belt, it will be illegal everywhere.

It is very dangerous.

Even were it is legal you risk causing an accident were you are hurt or killed or someone else is.

You will be held liable for this.

It is the same if you were speeding or driving intoxicated.

It is not worth the risk.

Pull over for a minute and send your text or email.

People who drive and text are usually going too slow, weaving and not looking at the road.

You have seen them and you know you do this if you text and drive.

When it becomes illegal, the insurance companies will begin to charge you more if you are ticketed, especially if you are ticketed for causing an accident.

Go ahead and start now and get used to it, put down the smartphone while driving.

Same goes for surfing the web or checking emails.

Can you imagine how stupid you will feel for the rest of your life if you are crippled or seriously hurt because you had to check a text message, email or surf the web while driving or if you caused a friend to do so.

Or how selfish it would be if you cripple or kill someone else and how bad it will be for you when you are found liable.

Be responsible and do what you can to keep your insurance costs down.

Putting down the smartphone is one good way for you to be responsible and to save in the long run.

Save on SR22 car insurance

To get the best rate on sr22 insurance, shop online and get quotes from several different agents and companies to insure the best possible price and best coverage.

What is an sr22?

An sr22 is just a form attached to your policy.

It does not affect the premium, but may require a small filing fee.

Not all car insurance companies offer sr22 filings.

A policy with a safety responsibility filing is high risk auto insurance aka non-standard.

Drivers without a vehicle will need to purchase a non owners policy.

A non owners policy is typically a little more expensive than an owners policy.

Some companies that offer sr22 insurance, may only offer state minimum auto insurance coverage.

A state minimum auto insurance policy is better than driving without car insurance, but additional coverage is recommended.

The cost of state minimum car insurance is relatively inexpensive, yet many drivers choose to drive without car insurance.

If you are caught driving without car insurance in a state that requires sr22 filings, you will be required to file an sr22.

Even worse than being caught driving without insurance is being involved in an accident without car insurance.

Sr-22.info agents offer cheap car insurance for all drivers.

Our agents specialize in all types of drivers, including good drivers, drivers who do not have car insurance and bad driving records.

Whether you need a sr22 insurance quote or just cheaper car insurance!

Let our agents help you today!

An sr22 is not insurance

An sr-22 is not insurance, but a document that when in force provides proof a driver is currently covered by a state minimum liability insurance policy. Filings are not needed by all drivers.

Some states require the filing for drivers who have been convicted of certain traffic offenses such as a DUI, DWI, driving on a suspended license, driving without insurance or are in an at fault accident without insurance.

Visit our sr22 questions page for more information.

If you are notified you need to file an sr22 certificate, check with your insurance company to see if they can file an sr22 form on your current policy.

It is advisable to shop around for sr22 auto insurance quotes from other providers as well.

Our website offers agents and companies that specialize in find affordable sr22 car insurance.

Once you are approved by your department of motor vehicles, begin the process of reinstating your driving privileges.

Start by finding car insurance with the sr22, pay your reinstatement fees and your driver license suspension will be lifted and your driver license reinstated.

The process usually takes about 10 days, until you actually receive the notice of reinstatement also known as a clearance letter in the mail from your state department of motor vehicle office; the driver license suspension is still in force.

Failure to pay you car insurance premium, will result in your policy being canceled and another form called an SR26 being issued and sent to the department of motor vehicles notifying them the policy has lapsed or canceled and will result in a new suspension being placed on your driver license again and you will need to start the process all over, including paying the fees again.

Auto insurance will probably cost more; the cost is based on why you need the filing.

A major offense like a DUI, DWI or driving on a suspended license will affect your car insurance premium more adversely than a no insurance ticket will.

The filing fee should be around 25 to 30 dollars.

Reinstatement fees charged by the state are much higher and vary by state.

How long an sr22 is needed depends on the reason why it is needed and state laws.

Solid advice when buying any policy is to get quotes from multiple companies.

The internet is an excellent way to search for cheap quotes.

SR-22.info is one of the many websites that can help you find car insurance companies that specialize in SR22 filings and high risk coverage.

Getting sr22 quotes online can save valuable time and effort when you get your driver license reinstated.

Types of Auto Insurance Coverage

Just because you need to file an SR22 does not mean you cannot have decent auto insurance coverage.

To make an informed buying decision for your auto insurance, you need to fully understand coverage’s. If you are not familiar with auto insurance coverage’s or would like to refresh you knowledge, this article will help you better understand auto insurance coverage’s. Each state has different limits and laws. Check with your individual state if you need state specific information.

Liability Auto Insurance

Liability auto insurance pays for the property damage or physical injury to others caused by you. State minimum coverage is typically not enough coverage and varies by state. Available coverage limits vary by company. Consider how much you have to lose in a lawsuit and how much coverage you can afford and be sure to purchase an adequate amount of liability coverage to limit your exposure in the event of an accident.

Collision Insurance Coverage

Collision covers the repair costs to fix your vehicle after an accident when you are at fault. The deductible is the portion you are responsible for. Typical deductibles are $250, $500 and $1000. A higher deductible will result in a lower premium, and a lower deductible will result in a higher premium.

Comprehensive Insurance Coverage also known as other than collision (OTC)

Comprehensive insurance covers damage to your car, other than accidents including damage from theft, fire, vandalism, flooding, and hail. Deductible applies.

Rental and Towing Coverage

If you are carrying comprehensive and collision coverage, some companies offer rental and towing coverage. In the event of an accident, rental will pay for a rental car up to the limits you purchase. Different companies offer different amounts and typically range from $20 per day up to $40 per day and max out at 30 days. Towing cover’s vehicle disablement towing up to the limits which usually range from $50 up to $150.

Personal Injury Protection

Personal Injury Protection is like a small medical policy that covers everyone in the vehicle in the event of an accident and can cover additional expenses such as lost wages. PIP coverage is usually sold in increments of $2500, $5000, $10000.

Medical Coverage

Is like a small medical policy that covers medical expenses to everyone in the vehicle in the event of an accident, no additional expenses are covered.  PIP is usually preferred over Medical. You can carry PIP or medical coverage, but not both on a policy. Medical coverage is usually sold in increments of $2500, $5000, $10,000.

Uninsured or Underinsured Motorist Coverage

Uninsured or under-insured motorist coverage pays for costs related to injuries to you or your family members and guests riding in your car and/or property damage caused by an uninsured or under-insured driver in an accident. Limits offered are the same as the liability coverage on your policy.  Most companies will allow you to purchase less, but you cannot purchase higher limits than what you carry on your liability limits. Make sure you carry enough coverage; this is the coverage that protects you, your family and friends in the event of an accident with uninsured or under-insured. A deductible of $250 applies.

Some companies offer additional coverage’s such as roadside assistance, accident forgiveness and new car replacement to name a few. These are additional coverage’s and will increase your premiums. Use the coverage tips above to help make a good decision when you purchase you next auto insurance policy.