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SR-22 insurance is a type of insurance policy normally required of those people convicted of a DUI or drunk driving related offense. The name of the policy comes from the form required by the DMV from the insurance company form SR-22.

In its simplest form, an SR-22 insurance policy is a high risk auto insurance policy for DUI offenders that forms an agreement between the DMV and the respective insurance company that says that, if for any reason you do not fully insure this person you will immediately notify us. And if a high risk SR-22 insurance company notifies the DMV of the fact that they are not insuring an individual (for any reason discussed below) the DMV will promptly suspend that person s drivers license.

Reasons for an SR-22 Insurance Provider to Suspend Your Policy:

1. Late making policy payments. If for any reason you do not make your agreed policy payments on time the SR-22 insurance provider can suspend your policy for failure to pay.
2. Violating the terms of (more...)

How does your homeowners insurance company rank? The one time you don t want to find out they rate at the bottom of the list is when its time to file a claim. Insurance companies are good at taking your premium payment every month, but when it comes to paying out claims some companies rate better than others.

Most of us never think about our homeowners insurance until its time to file a claim. In fact, we can go years of just sending in our premium payments and never even so much as calling up our agent to say hello. Then comes the day when you need to file a claim and you find out that red tape and bureaucracy are the name of the game. Recently this situation played out all too well during Hurricane Katrina where certain homeowners insurance companies fought tooth and nail to keep from paying out claims to victims of this devastating event.

Thankfully there are a number of ways you can find out just how good your insurance company is and if they can do more than just issue a quote with (more...)