Spring Break Insurance

Distracted driving is one of the leading causes of car crashes in the world. According to the National Safety Council there has been an estimated 201,543 car crashes in the United States involving drivers using cell phones and texting. This number is increased about every 24 seconds. With spring break right around the corner for most high schools and colleges, there will be many distracted drivers on the road. For most of these teens and young adults, they have a mind set of partying and engaging in excessive binge drinking. According to the Journal of American College Health spring breakers will consume 18 drinks a day for guys and 10 for girls. MADD (Mothers Against Drunk Driving) is a widely known organization that encourages families to educate one another against drunk driving. Their mission statement includes, “The mission of Mothers Against Drunk Driving is to stop drunk driving, support the victims of this violent crime and prevent underage drinking.” MADD states that every 53 minutes on average, someone is killed in a drunk driving crash. They also claim that Americans take about 233 billion trips in cars each year. About one out of every two thousand trips is taken by those who are driving under the influence of alcohol. Unfortunately, almost one out of every three traffic deaths involves drunk driving. MADD has provided their readers with tons of statistics and important information. To read more about their organization you can visit http://www.madd.org/ .Thousands of these trips will be taken during spring break. The list goes on and on with statistics, but only you can make a difference to protect yourself and the ones you love. Adriana’s Insurance promotes safety in all aspects and would like to encourage these teens and young adults to be extra cautious this spring break. We offer affordable and reliable insurance at our southern California locations. Many of these partiers will be involved in car, boat, and other vehicle collision’s and we want you to be insured. For more information please visit our website at http://adrianasinsurance.com/english/ . We would like to encourage all spring breakers to have a fun and safe week during your break.

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The SR-22. Most people probably have a very vague idea of what it is. Maybe you’ve had a friend who needed one or you understand vaguely that it has to do with car insurance. But does anyone really know what an SR-22 is? Is it something you get from the DMV or your car insurance company? Does everyone have to have one? 

It seems that most people don’t know much about SR-22s. And that’s fine. As long as you practice safe driving and don’t let your insurance lapse, you’ll never need one. But just in case, here are a few SR-22 insurance basics to help keep you in the know.

An SR-22 — also known as SR-22 insurance or Certificate of Financial Responsibility (CFR) — isn’t a type of car insurance, but verification that you’re maintaining car insurance liability coverage. An SR-22 form is a state-mandated certificate filed by your car insurance carrier with your state’s Department of Motor Vehicles (DMV).

Who needs an SR-22?

An SR-22 is required when someone who was in an accident or convicted of a traffic offense couldn’t show financial responsibility. For example, you’d need an SR-22 if you were caught driving without car insurance.

You might also need an SR-22 if you had any of the following:

• A DUI or DWI or any serious moving violation
• An at-fault accident while driving without insurance
• Repeat traffic offenses or too many tickets in a short time period
• A revoked or suspended license

What does an SR-22 cost?

If you need an SR-22, however, you’ll first need to purchase a car insurance policy. Your car insurance rate will be determined based on all the factors that normally go into rating a policy. However, keep in mind that car insurance companies generally consider drivers who need an SR-22 riskier to insure, so your car insurance rates will likely reflect the risk.

We recommend shopping around, but remember, the cheapest SR-22 insurance quotes may not be the best. You should always consider the company’s service, financial responsibility, and reliability when making an insurance purchase of any kind.

How do I get an SR-22?

To obtain an SR-22, you’ll need to go through your car insurance provider. Only an insurance company that is filed with the state can issue SR-22s. You can request a free quote at http://adrianasinsurance.com/get_a_quote/quote/.

Most states require drivers to carry SR-22 insurance for 3 years. In that time, continuous coverage must be maintained. If there is an insurance lapse or cancellation, your car insurance company is legally obligated to notify the DMV and your license will be suspended.

How can I avoid an SR-22 requirement?

You can avoid the complication and expense involved with an SR-22 filing by simply maintaining your car insurance and practicing safe driving.

Here are a few useful reminders:

• Don’t drink and drive. DUIs and DWIs are the most common reasons for needing to file an SR-22 certificate.
• Drive safe. Not only can too many moving violations result in an SR-22, they can significantly increase your car insurance premiums.
• Don’t drive without insurance. If you don’t have car insurance and you’re pulled over, you’ll be required to prove financial responsibility by way of an SR-22.

Bottom line: Drive carefully and stay insured and you’ll never need to know any more than this about the SR-22.