There are no shortage of parents dismayed by the plethora of poor “Role models” popular couture parades in- front of our kids each day. From the sports star accused of rape, to the Hip Hop performer arrested on weapons charges or assault. Recently it seems that a week does not go by with out some celebrity being arrested for Drunk Driving (DUI).
In recent months MEL GIBSON, Tracy Morgan, Ty Pennington, Busta Rhymes and Mike Tyson all managed to get arrested on DUI charges. Lane Garrison has just been charged with vehicular manslaughter, after a December fatal car crash in Beverly Hills left one of his three teenage passengers dead.
There seems to be a new trend, with young woman celebrities behaving as bad or worse, than their male counterparts. With the woman, there appears to be less violence, but a greater degree out self-destruction. Despite being super-rich powerful, beautiful and famous, many of these young stars are absolute “Train Wrecks”. From drug arrests, to being caught in “Home sex tapes”, they seem unable to go a month without taking some step further down the road toward personal disaster. Take a look at a few of the current headlines:
Lindsay Lohan has reportedly decided to check back into rehab
after a holiday weekend in which she was booked on suspicion of DUI after crashing her car in Los Angeles
Coke Found in Lohan DUI Investigation
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Brandy the Grammy-winning R&B artist, maybe Up For Manslaughter Charge After Death Crash
"Laguna Beach" star Jessica Smith has just been released from an Orange County jail, after being charged with two misdemeanor counts of driving under the influence....
Paris' shrink claims that Hilton is "emotionally distraught and traumatized" from the May 4 hearing where she was sentenced to 45 days in jail for breaking probation in her DUI bust
Anneliese van der Pol, co star of the Disney hit series "That's So Raven" has pleaded no contest to DUI after being arrested for driving with a staggeringly high .19 blood-alcohol level.
Nicole Richie, Nicole was spotted once again driving through L.A., just a few weeks after her 2nd DUI arrest.
California law, requires a mandatory sentence of five consecutive days in county jail as well as a one year license suspension for anyone twice-convicted of DUI .If Richie is convicted of DUI as a result of Monday's arrest, the judge must impose a jail sentence.
According to data from the National Highway Traffic Safety Administration (NHTSA), in 2004, 16,694 people were killed in alcohol-related crashes. With statistics like that, it is imposable not to take the reckless actions of these stars seriously.
Alcohol-related motor vehicle crashes kill someone every 31 minutes and non-fatally injure someone every two minutes (NHTSA 2006).Occurrence and Consequences
There are serious consequences for being convicted of DUI. Those can include, loss of driving privileges, large fines, you will end up needing an SR22 insurance policy, and just possibly jail time.
Here at urban insurance Agency, we have been helping people get the insurance they need to comply with the secretary of State’s requirements, and get their license back. We have many companies that provide SR-22 insurance; so we can get you insured at the lowest rates. But remember most states are tightening up their rules and increasing the penalties for those caught drinking and driving.
PLEASE, for the safety of all on the road. DO Not Drink and Drive.
When it comes to driving, do not let Paris Hilton or Lindsay Lohan, be your role model.
Larry Lubell Can be contacted @ Larry@UrbanInsuranceAgency.com
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Urban Insurance Agency has been helping people save on their car insurance for more than 45 years. We offer the lowest prices in Chicago on SR-22 filings, SR22 car insurance, non owners, liability insurance and electronic filings. We can help drivers in Chicago, Illinois get the lowest quotes even if they have a DUI, suspended license or pending suspension.We sell insurance in Illinois, Indiana, Michigan and Florida. Our rates for auto insurance are often lower than Progressive,, InsureOne, esurance.com,and Alstate.. We also offer preferred rates for low risk drivers and renewal discounts.
We represent sixteen different companies; In order to find you the Lowest price.
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Thursday, April 12, 2007
Kurt Vonnegut Dead at Age 84
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His wife, Jill Krementz confirmed that Mr. Vonnegut died as the result of irreversible brain injuries stemming from a fall several weeks ago.
Born in Germany, Kurt Vonnegut lived through the firebombing of Dresden, Germany by the Allied forces in 1945 while he was a young prisoner of war. Many of his writings address or were clearly shaped by those events.
Vonnegut wrote, “The firebombing of Dresden, was a work of art”. “a tower of smoke and flame to commemorate the rage and heartbreak of so many who had had their lives warped or ruined by the indescribable greed and vanity and cruelty of Germany.”
As an avid reader of Vonnegut’s work, I understand him to be a man of empathy and compassion, that despised Hitler and all that the Nazi’s represented. However at the same time he watched in horror as Thousands of his neighbors were killed in the raids, many of them burned to death.
He came to understand and write about how in war it is the Innocents that pay the price for the greed and obsessions of the leaders. A lesson as relevant today in Iraq and Iran as was in the 40's in Germany.
Good by Mr. Vonnegut, You will be missed.
So it goes.
His wife, Jill Krementz confirmed that Mr. Vonnegut died as the result of irreversible brain injuries stemming from a fall several weeks ago.
Born in Germany, Kurt Vonnegut lived through the firebombing of Dresden, Germany by the Allied forces in 1945 while he was a young prisoner of war. Many of his writings address or were clearly shaped by those events.
Vonnegut wrote, “The firebombing of Dresden, was a work of art”. “a tower of smoke and flame to commemorate the rage and heartbreak of so many who had had their lives warped or ruined by the indescribable greed and vanity and cruelty of Germany.”
As an avid reader of Vonnegut’s work, I understand him to be a man of empathy and compassion, that despised Hitler and all that the Nazi’s represented. However at the same time he watched in horror as Thousands of his neighbors were killed in the raids, many of them burned to death.
He came to understand and write about how in war it is the Innocents that pay the price for the greed and obsessions of the leaders. A lesson as relevant today in Iraq and Iran as was in the 40's in Germany.
Good by Mr. Vonnegut, You will be missed.
So it goes.
Wednesday, April 11, 2007
What is an SR22 Filing?
Thursday, March 1st, 2007
By Larry Lubell
SR22 is actually the name of the form used by insurance companies to notify the state that an insured has the required liability insurance coverage. An SR22 Filing is needed to removes a suspension order placed by the Illinois Secretary of State’s office on your driving privilege.
Why won’t any liability policy work?
While it is true that an sr22 is a basic liability policy, the filing mandates that the insurance company will notify the Illinois Secretary of State by issuing a 30-day notice should the insurance ever lapse for any reason. It is the fact that the insurance company is legally bound to provides this notice a to the Illinois Department of Motor Vehicles that sets in SR22 policy apart.
How do I know if I Need an “SR-22”
The most common way , would be by receiving a notice from the secretary of states office . They will send a letter demanding sr22 to the same address that is printed on your drivers license. The letter will state the reason that the SR-22 form is required and how long you must carry the filing. It is also likely that a judge will notifiy you at the time of your hearing.
How do I know when I no longer need sr22?
You will be sent a letter from the DMV (Department of motor Vehicles) stateing that you have completed your obligation. It is a great idea to keep a copy of that letter, believe or not, the “State” is not incapable of errors. We have had clients who had completed their required SR22, that months later were pulled over by an offcer only to find that the “State” still showed their license suspended. Yes, we have seen people spend the night in jail because of a mess up in Springfield. Keep copies of what the DMV sends you, and make sure your insurance agent also gets a copy.
If I get an sr22 insurance policy, can I start with a down payment or do I need to pay the whole year at once?
At Urban Auto Insurance Agency, you never need to pay for the policy all at once. We can start your coverage with just a small downpayment and then you can make monthly payments. Because U.I.P.P.(U.I. Payment Plan) is a division of Urban Auto Insurance Agency, we have the flexablity to offer you much lower down payments and easier monthly payments.
Do insurance companies charge more money because I need an SR22?
None of the companies we use Charge more for providing an sr22. the cost of the policy is the same as providing you with a base liablity policy. An insurance company can, and often will, charge a surcharge based on your MVR, but we will not charge your more for the SR22 form.
Do you offer SR-22s to someone that does not own a car?
Yes. Fill out the request a quote form and we will provide you with a quote to get your insurance started.
Click to Get a free quote. Or Call Urban at (800)680-0707
And you thought your homeowners insurance was expensive!
Thursday, March 15th, 2007
No one likes to over pay for anything, especially not for insurance.While the cost of Auto insurance and Life insurance have fallen in resent years, for most of us the cost of our homeowners Insurance has risen steadily. This is particularly true in the Gulf States. Many insurance companies saw five years worth of profit wiped out in one hurricane season. These losses occurred even after companies had dramatically increased their deductibles and placed restrictions and limitations. In addition to some large losses, scientists are warning that the United States might be in a 20-year cycle of greater storm activity coupled with the global warming. The actuaries at the carriers are looking at warmer seas, higher sea levels combining with new construction being built at a dizzying pace and in ever more dangerous locations. All of this while natural reserves and buffers are being lost, and more and more land is being paved reducing the areas ability to handle flooding. The average cost to insure a U.S. home in 2004 was $729, according to the most recent National Association of Insurance Commissioners (NAIC) data. The cheapest state was Idaho, where the average home insurance premium was $448. In Texas, the most expensive state, it was $1,362, or 2.5% of the average Texans’ household income.
“Every disaster known to man can happen in Texas, even earthquakes,” says Jim Hurley, a spokesman for the Texas Insurance Department, a state organization for insurance agents and consumers. “We’d love to be lower on the list, but our geography and weather patterns won’t allow it.” Any real-estate agent will tell you the three greatest factors that effect the price of property are, location, location and location; that pretty much holds true for property insurance. Below are the 5 Highest States for Homeowners Insurance.
1: TexasAverage Annual Premium: $1,362
“Every disaster known to man can happen in Texas, even earthquakes,” says Jim Hurley, a spokesman for the Texas Insurance Department, a state organization for insurance agents and consumers. “We’d love to be lower on the list, but our geography and weather patterns won’t allow it.” Any real-estate agent will tell you the three greatest factors that effect the price of property are, location, location and location; that pretty much holds true for property insurance. Below are the 5 Highest States for Homeowners Insurance.
1: TexasAverage Annual Premium: $1,362
2: LouisianaAverage Annual Premium: $1,074
3: OklahomaAverage Annual Premium: $991
4: FloridaAverage Annual Premium: $929
5: MississippiAverage Annual Premium: $907
Urban Insurance Agency again proves to have the lowest rates.
Thursday, March 15th, 2007
We at Urban, understand how hard you work for your money; that is why we search more than 15 different companies in order to find you the lowest rates. Our rates can save you hundreds of dollars per year on your car insurance. We average savings of over 45% over Geico.
In a resent article, titled *Insurance.com’s 2006 Auto Insurance Pricing Report. They state that the average price their customers paid for insurance in the state of Illinois in 2006 was $1,496. This “Average” was based on best price offered by any of the following companies ,Travelers, Liberty Mutual, Hartford, MetLife, Safeco, Geico and Progressive. Urban Insurance Agency’s average yearly price in Illinois for 2006 was just $806.
That is an amazing average savings of over 44% The more you compare auto insurance rates, the more you will love the rates offered at Urban Insurance Agency. That is why when we ask, “Do you think you’re paying too much for car insurance? ” We know the answer is YES, unless you are insured with Urban Insurance.
*Insurance.com’s 2006 Auto Insurance Pricing Report highlights the lowest average auto insurance rates viewed by over 1.1 million car insurance consumers on the Insurance.com platform in 2006*. The information comes from actual auto insurance quotes consumers received from over a dozen of the nation’s leading auto insurance companies who participate on Insurance.com’s comparative auto insurance platform.
Posted in Uncategorized, Insurance Information Page
We at Urban, understand how hard you work for your money; that is why we search more than 15 different companies in order to find you the lowest rates. Our rates can save you hundreds of dollars per year on your car insurance. We average savings of over 45% over Geico.
In a resent article, titled *Insurance.com’s 2006 Auto Insurance Pricing Report. They state that the average price their customers paid for insurance in the state of Illinois in 2006 was $1,496. This “Average” was based on best price offered by any of the following companies ,Travelers, Liberty Mutual, Hartford, MetLife, Safeco, Geico and Progressive. Urban Insurance Agency’s average yearly price in Illinois for 2006 was just $806.
That is an amazing average savings of over 44% The more you compare auto insurance rates, the more you will love the rates offered at Urban Insurance Agency. That is why when we ask, “Do you think you’re paying too much for car insurance? ” We know the answer is YES, unless you are insured with Urban Insurance.
*Insurance.com’s 2006 Auto Insurance Pricing Report highlights the lowest average auto insurance rates viewed by over 1.1 million car insurance consumers on the Insurance.com platform in 2006*. The information comes from actual auto insurance quotes consumers received from over a dozen of the nation’s leading auto insurance companies who participate on Insurance.com’s comparative auto insurance platform.
Posted in Uncategorized, Insurance Information Page
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