Urban’s Rates can save you over 45% over Geico.com

February 5th, 2007
Urban Insurance Agency continues to save our customers hundreds of dollars over other insurance companies.
Below is just a sample of how much drivers saved switching to Urban Insurance over Geico*

Name Geico’s Rate Urban’s Rate Savings
Mr. Walsh $330.40 $150 $180.40
Ms. Carrol $842.20 $500 $342.20
Ms. Sanders $2,512.80 $967 $1,545.80
Mr. Reynolds $444.80 $319 $125.80
Mr. Timothy $911.20 $557 $354.20
Mr. Rivera $950.30 $559 $391.30
Mr. Robles $1,469.80 $960 $509.80

Average savings 47%

See how much money Urban can save you!

Above samples are actual policies that Urban Insurance placed on February 5th 2007 9:00am - 11:00 am.Urban Auto Insurance does not use credit scoring. Geico rates are prior to any of their credit scoring surcharges. Using Past experience as a guide, Geico Rates are usually higher after credit scoring is applied.

Click www.YourAutoQuotes.com or Call us at 800-680-0707

State Farm States No New Policies in MississippiWednesday

February 14th, 2007
By Larry Lubell
Urban Insurance Blog ________________________________________

State Farm Insurance Company anounced that it. is suspending sales of any new commercial or homeowner policies in Mississippi starting Friday. A company official said that the wave of litigation it has faced since Hurricane Katrina, was the main reason. Mississippi’s “current legal and political environment is simply untenable. We’re just not in a position to accept any additional risk in this homeowners’ market.” said Mike Fernandez, vice president of public affairs for State Farm State Farm has argued that their homeowner policies were worded to cover damage from wind but not from water - even if hurricane-force winds were the cause of the rising water. They also state that their policies exclude damage that could have been caused by a combination of both wind and water. Hundreds of State Farm policyholders have challenged that claim, saying they were “Sold” Hurricane policies and storm surge is a part of a hurricane, and they are therefore entitled to Compensation. In the case of Norman and Genevieve Broussard VS State Farm a jury awarded the Broussard’s $2.5 million in punitive damages against State Farm for refusing to cover Hurricane Katrina storm surge damage to their Biloxi home. U.S. District Judge L.T. Senter Jr. later reduced the award to $1 million, even though the judge found that State Farm acted in a “grossly negligent way” by denying the claim filed by policyholders.
Last month Attorney General Jim Hood reached a settlement with State Farm requiring them to pay about $80 million to more than 600 policyholders who sued the company for refusing to cover damage caused by Katrina. Judge Senter later refused to sign off on part of the agreement, a deal between State Farm and Mississippi

Urban Insurance is offering homeowners insurance in several states, including Illinois and Indiana.For quote on Homeoweners, auto, life or any other insurance coverage,
please call us at 800-680-0707
Or Click Here

What is a financial judgment?

If one is involved in a motor vehicle accident, found guilty, there is a high likelihood that a court can find one financially responsible. This is why car insurance is so important. Without auto insurance you can be held personally accountable for any damages, which a court finds you liable. The law states that the Secretary of State shall suspend the driver’s license of anyone who failed for 30 days to pay his or her judgment. If the debtor fails to pay any installments, their driver’s license will be revoked along with the items necessary for driving legally, such as the city sticker, license plates, and the registration card for the vehicle. These laws are found under the Safety Responsibility Laws of Illinois. Once a “Judgment” is placed on your record the suspension remains in effect until:1. The person who owes the judgment pays the money owed in full, or an agreed upon negotiated compromise 2. an installment payment agreement order has been reached between the judgment debtor and judgment creditor. A breach of that agreement will cause a re-suspension of the driving privileges.3. the person who owes the judgment, files a petition for relief under the federal bankruptcy code pursuant to Chapter 7.To Reinstate Your License, You Must Do One Of The Following:

Installment Agreement Order
You can craft a contract with the plaintiff’s attorney to pay the judgment in monthly payments. The arrangement must be certified by the court in the county of jurisdiction and submitted to the Secretary of State. Keep in mind; if you fail to make all the payments on time, your license will be re-suspended. Obtain a court order agreeing to pay the judgment in installments and submit this installment agreement order with a court stamp or seal to the Secretary of State’s office at 160 North LaSalle on the 10th Floor Obtain SR22 Insurance. Urban insurance agency has been providing the lowest rates on SR22 car insurance. You must maintain this insurance for 3 years without lapse or cancellation.Payment of a $70.00 reinstatement fee are also required.

Satisfaction of the Judgment
1.Pay the full amount of the judgment to the plaintiff’s attorney or the Clerk of the Cook County Circuit Court. After paying the full amount, make sure you receive a certified, file-stamped copy of a “Satisfaction of Judgment” form. Bring this form to the Secretary of State at 160 North LaSalle Street located on the 10th Floor.
2. Obtain SR22 Insurance. Urban insurance Agency has been providing the lowest rates on SR22 car insurance. You must maintain this insurance for 3 years without lapse or cancellation.
3. A Payment of a $70.00 reinstatement fee is also required.

Start Your Insurance Today We feature SR22 filings at the lowest rates in Chicago
Call 1-800-680-0707 for a Free quoteor Click Urban Insurance Agency

The 18 Top Rated SUVs

Wednesday, March 21st, 2007

The National Highway Traffic Safety Administration recently awarded these 18 SUVs with 5 stars for front-end and side-impact crash test worthiness:

Acura MDX

Acura RDX

Audi Q7

Dodge Nitro

Ford Freestyle

GMC Acadia

Honda CR-V

Honda Element

Hyundai Santa Fe

Infiniti FX35

Infiniti FX45

Jeep Grand Cherokee

Kia Sorento

Kia Sportage

Mazda CX-7

Saturn Outlook

Subaru Outback

Toyota Highlander

It is important to note each year more and more vehicles are making the National Highway Traffic Safety’s list of 4 or 5 star cars and trucks. Safer vehicles helps reduce car insurance rates, and more importantly saves lives.

Urban Insurance wants to congratulate those that made the list. We also want to remind you that a car is only as safe as the driver. Remember to drive defensively, always make sure you as well as your passengers are wearing seat belts, and NEVER drink and drive.

Gerald Lubell

Supreme Court Agrees to Hear Insurance Credit Score Cases

Thursday, January 18th, 2007

The U.S. Supreme Court has agreed to hear a case on insurers’ use of credit reports to affect the rates consumers pay for their insurance. Many insurance companies, including Geico, Progressive, Allstate and Ensurance use credit scoring as a factor in the price they charge for their insurance. A bad credit score can have a larger impact on the price you pay for insurance than multiple tickets. Many consumers are unaware of just how large the impact can be on the price they pay Delaware Insurance Commissioner Matt Denn has taken arguments against insurance industry use of credit scoring to the U.S. Supreme Court, filing a brief in a pending case involving the practice.Denn recruited 12 other state insurance commissioners to join Delaware in filing the brief.Denn’s amicus curiae, or “friend of the court,” brief was filed last Monday with the Supreme Court in Washington, D.C. in the cases of Safeco v. Burr and GEICO v. Edo.The brief urges the Supreme Court to uphold the decisions of the 9th Circuit Court of Appeals in the Safeco and GEICO cases that the companies willfully disregarded the FCRA by not sending adverse action notices to some consumers.Consumers in the cases claim that insurance companies Safeco and GEICO violated the federal Fair Credit Reporting Act. The consumers said that when a consumer’s credit information resulted in the consumer receiving a higher rate, insurers should have sent out “adverse action notices” required under FCRA and acted in “willful” disregard of the FCRA in not doing so.. ”I will continue to support legislation that would prohibit the use of credit scoring in auto and homeowners insurance, but I also thought it important to weigh in on this case,” Denn said. “As long as our law allows insurance companies to use credit scoring, consumers deserve to know when something in their credit score has resulted in them getting higher rates.”Safeco Insurance Co. of America, GEICO General Insurance Co., disagree that they should have notified people about adverse information in their credit reports.
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We Offer 16 companies that Do Not Run Credit Checks
This can save you hundreds of dollars on your Car Insurance!

* Same day SR22 Filing * Lowest Rates for Teens

*Low Down Payments *Low Monthly Payments

Call 1-800-680-0707 Or Click to get a Free Quote.
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Many consumer groups contend that “Running credit scores” is tantamount to “Red lining.” That people who can least afford it are being charged more for the same coverage, even though they have equal driving records, and might be accident free. “Geico bumped up my rate over $300 because of my credit”. “I could understand if I had claims, but I haven’t cost an insurance company dollar one in over 8 years” said James Wilson of Harvey. Illinois.

We at Urban Insurance Agency agree, that Is why we offer insurance without credit scoring.

The high court combined Safeco Insurance v. Burr, 06-84 and GEICO General Insurance v. Edo, 06-100Source: Delaware Insurance Commissioner

Punitive Damages Awarded in Katrina Case

Saturday, January 13th, 2007

Larry Lubell

Thursday, a jury on awarded $2.5 million in punitive damages to Norman and Genevieve Broussard a couple who sued State Farm Fire & Casualty Co. for denying their claim after Hurricane Katrina. This decision could assist hundreds of other homeowners in their attempts to force insurers to cover billions of dollars in storm damage. U.S. District Judge L.T. Senter’s earlier rulings in other Katrina cases have favored the insurance industry, but this decision goes to the heart of the objection companies have use to refuse to cover billions of dollars in damage from Katrina’s storm surge. After he explained his ruling, Senter ordered a recess to give attorneys time “to get over the shock.” After the jury announced its award, the Broussards left the courthouse arm in arm. “It’s a great day for South Mississippi,” Norman Broussard said.
The Broussards claimed that a tornado during the hurricane destroyed their home. State Farm blamed all the damage on Katrina’s storm surge.
State Farm and other insurers say their homeowner policies are written to cover damage from wind but not from water. That flooding and storm surge are excluded as part of homeowners policy even though those policies were sold as covering Hurricanes, even if hurricane-force winds preceded a storm’s rising water. In fact, after State Farm and other companies writing property insurance in Florida, suffered catastrophic losses after Hurricane Andrew, they dramatically altered the terms of their polices. In addition to increasing deductibles, they divided up the destructive force of a hurricane into two parts. One is wind, which is covered, and second is the water surge, which is not. It is for this reason that immediately after Katrina you heard Insurance companies talking about the “Great Flood of 2005.” Flood insurance is offered on a separate policy. Property coverage can be tricky, since there are often exclusions that might not always seem obvious or intuitive. It is always a good idea to review your coverage with an insurance professional.
The judge ruled that State Farm couldn’t prove that Katrina’s storm surge was responsible for all of the damage to the Broussards’ home. The judge also said the testimony failed to establish how much damage was caused by wind and how much resulted from storm surge.
State Farm spokesman Phil Supple said after the jury’s verdict that the company is likely to appeal the decision. “We are surprised and disappointed by both the judge’s ruling on the coverage issues and the amount awarded by the jury for punitive damages,” he said in a written statement. “We believe the expert testimony supported a different result.”

Property coverage can be tricky, since there are often exclusions that might not always seem obvious or intuitive. It is always a good idea to review your coverage with an insurance professional.

Call us at 800-680-0707 for a free review.
www.urbaninsuranceagency.com Any comments click here

Medi-car Insurance

Thursday, January 25th, 2007

Urban Insurance is happy to announce that we offer Medi-car service insurance at the lowest prices in the Chicago Metropolitan area. With health costs skyrocketing, an ever-increasing number of medical procedures are being preformed on an “Out Patient” basis. As a result, today many people find them selves in need of transportation to and from medical appointments. Many of these people are unable to drive them selves, and are not able, or do not wish to ask a friend or family member to take them. In many cases the patient might be in a wheel chair or have needs that require a specially equipped van. Among one of the more common needs for Medi-car services are the approximately 217,000 Americans who receive ongoing dialysis treatments. Also seniors find them selves with on-going medical services and few options for how to make the trip.This is where non-emergency transportation service is used. It provides for the livery service of wheelchair patients/customers and people with special needs but who do not require an Ambulance or highly trained medical teams. The cost of emergency ambulance service is very costly and is only an option when minutes can save lives. Medicar vehicles are often equipped with side-loading hydraulic lifts, ramps and special wheelchair locks and floor straps to secure the passenger in the vehicle.

Urban Insurance Agency, has been serving the commercial Auto customer for more than 40 years. We offer several different companies so we can search for the best price available.
Call us today at 800-680-0707 or click here to get a commercial Quote.