Tuesday, July 22, 2008
Monday, July 14, 2008
Driving Points in Indiana
Not all tickets are equal? The amount of "Points" the Secretary of state will assign, will vary Depending on the nature and severity of the offence. The more dangerious the action the greater the number of points.
1 – 15 mph over the speed limit................ 2 point violation
16 – 25 mph over the speed limit............... 4 point violation
26+ mph over the speed limit................... 6 point violation
Failure to use headlights......................... 2 point violation
No brake or signal lights...................... .. 2 point violation
Disregard stop/yield sign........................ 6 point violation
Fail to yield to emergency vehicle.............. 8 point violation
Improper U-turn................................... 4 point violation
Following too closely.............................. 6 point violation
Unsafe lane movement........................... 4 point violation
Failure to yield................. ................... 6 point violation
Speed contest on road............................ 8 point violation
Improper motorcycle headgear.................. 4 point violation
Improper motorcycle passenger................. 4 point violation
Driving while suspended ......................... 8 point violation
The number of "Points on your MVR, will be an important factor in determining the cost of your car insurance. There are many compaines that will not even provide you with a Quote on Car Insurance if the point total is over 6 points. Urban Insurance is an independant agent that has contracts with more than 15 companies in order to find the lowest rates for each of our customers.
To get a Free Quote
Click Here
Some of the more common point values are listed below.
1 – 15 mph over the speed limit................ 2 point violation
16 – 25 mph over the speed limit............... 4 point violation
26+ mph over the speed limit................... 6 point violation
Failure to use headlights......................... 2 point violation
No brake or signal lights...................... .. 2 point violation
Disregard stop/yield sign........................ 6 point violation
Fail to yield to emergency vehicle.............. 8 point violation
Improper U-turn................................... 4 point violation
Following too closely.............................. 6 point violation
Unsafe lane movement........................... 4 point violation
Failure to yield................. ................... 6 point violation
Speed contest on road............................ 8 point violation
Improper motorcycle headgear.................. 4 point violation
Improper motorcycle passenger................. 4 point violation
Driving while suspended ......................... 8 point violation
The number of "Points on your MVR, will be an important factor in determining the cost of your car insurance. There are many compaines that will not even provide you with a Quote on Car Insurance if the point total is over 6 points. Urban Insurance is an independant agent that has contracts with more than 15 companies in order to find the lowest rates for each of our customers.
To get a Free Quote
Click Here
Why do I need SR-22?
I went to court in Hammond because I was caught driving without Proof Of Insurance. The judge told me I needed to show proof of SR22; what is an SR22.
SR-22is actually the name of the form used by insurance companies to notify the state that an insured has the required insurance coverage. As a result people will often refer this type of car insurance as SR-22, or FR Filing. The law in Indiana states the following: When a motorist's operator license is suspended upon conviction of a major offense, that driver must submit proof of insurance to the BMV before being reinstated. This filing provides that the driver has an auto liability policy in effect that cannot be canceled without prior notice. A valid SR-22 Proof of Insurance form must be filed with the BMV for three years after the end of the suspension. If the BMV receives a cancellation notice or does not have a current SR-22 form on file at any time during the three-year period after reinstatement, the motorist's driving privileges will become suspended again.
This is why it is critical that you find an insurance agency that is equipped to issue Same - Day SR22 Insurance. If you are required to file an SR22, then your insurance company must submit the correct form in order to remove a suspension order placed by the Indiana Secretary of State's office. The filing is needed to provide a certificate to the Indiana Department of Motor Vehicles that your insurance company has issued a policy of at least the required minimum liability coverage, and that your insurance company will notify the Indiana Secretary of State»s office should the insurance ever lapse for any reason.
SR-22is actually the name of the form used by insurance companies to notify the state that an insured has the required insurance coverage. As a result people will often refer this type of car insurance as SR-22, or FR Filing. The law in Indiana states the following: When a motorist's operator license is suspended upon conviction of a major offense, that driver must submit proof of insurance to the BMV before being reinstated. This filing provides that the driver has an auto liability policy in effect that cannot be canceled without prior notice. A valid SR-22 Proof of Insurance form must be filed with the BMV for three years after the end of the suspension. If the BMV receives a cancellation notice or does not have a current SR-22 form on file at any time during the three-year period after reinstatement, the motorist's driving privileges will become suspended again.
This is why it is critical that you find an insurance agency that is equipped to issue Same - Day SR22 Insurance. If you are required to file an SR22, then your insurance company must submit the correct form in order to remove a suspension order placed by the Indiana Secretary of State's office. The filing is needed to provide a certificate to the Indiana Department of Motor Vehicles that your insurance company has issued a policy of at least the required minimum liability coverage, and that your insurance company will notify the Indiana Secretary of State»s office should the insurance ever lapse for any reason.
Sr22 Insurance in Indiana
Tell me, am I required to carry auto insurance in Indiana?
The simple answer is Yes!
Driving without car insurance not only puts your assets in jeopardy, but it also illegal and can leave you subject to fines. A motorist who operates a vehicle without an automobile liability insurance policy is subject to a 90-day driver license suspension or a one-year suspension if it is a repeat violation within a three-year period. In order to obtain a reinstatement of the license, the motorist must pay a reinstatement fee of $150, $225, or $300 depending on whether it is a first, second, third or subsequent offense, and provide current proof of insurance signed by an agent or representative of the insurance company. SR22 is actually the name of the form used by insurance companies to notify the state that an insured has the required "certificate of compliance" of proper insurance coverage. When a motorist receives a "certificate of compliance notice," he (or she) must find an insurance agency that is equipped to issue the needed SR-22 insurance, and to file the certificate to the BMV within 40 days. Failure to return the "Certificate of compliance" to the Indiana Secretary of State»s office, as required will result in a license suspension
Call 1-800-680-0707 or click here to get your free car insurance quote.
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