Ohio BMV Link: https://services.dps.ohio.gov/BMVOnlineServices/DL/Abstract


Transcription:

Slide 1:

Hello! I'm Dan Lyles with Lyles Insurance. And in this video we're going to answer a frequently asked question: How long do you have to have an SR22 in Ohio? We're going to show you an easy way to quickly look up whether or not you need an SR22, and if so for how long.
 
Slide 2:
 
So, as far as the length of time you need to carry an SR22 …. not always, but the vast majority of drivers are required to carry an SR22 for three years. And it's very important that you know the exact expiration date of when those three years are up. Because if you cancel an SR22 filing too early, your license will be suspended again. And if you keep it going longer than you have to, you're probably paying more money than what you need to be. So I'm going to show you how to quickly find out whether or not you need an SR22. And if so, exactly for how long you need to carry it.
 
Slide 3:
 
Many drivers need an Ohio SR22 filing to reinstate their driver's license. An SR22 is not auto insurance itself. It simply attaches on to either an auto insurance policy or a Financial Responsibility Bond. Either one will get your license reinstated. It's basically the BMV’s way to keep dibs on you. To make sure you're carrying at least eight minimum liability auto insurance coverage. And they also keep track of you, to make sure you don't drop it during the time that you're required to carry an SR22.
 
Slide 4:
 
As I mentioned before, it's very important that you know the exact expiration date of your sr22 filing requirement. So the next few slides I'm going to show you exactly how to do that. We're going to visit the Ohio BMV's website. You'll come to a page to where you need to enter your birth date, driver's license number or state ID number, and the last four digits of your social number. So have those ready in case you don't have them memorized. Let's get started….
 
Slide 5 :
 
The web address you see here in yellow. That’s the page you want to visit. It is not the Ohio BMV's home page. I skipped ahead of that and took you straight to the page that you're wanting to get to. I'm also going to include this in the description and transcription at the bottom. So that will make it easy for you to either click on or copy it and paste it.
 
Slide 6:
 
Then once you get to that page you should see a screen that looks like this. And I'll blow this up a little bit so you can see it better.
 
Slide 7:
 
So inside the box you'll see you have a choice of two options which ones to click on. Either one will show your SR22 information. But unless you need a three year copy of your driving record, I suggest you click on the bottom “unofficial” copy simply because it's free. If you click on the top link, they're going to charge you $5.
 
Slide 8:
 
On this next page you'll see the top tab “driver license” information. Simply fill that out and then click the “continue” button at the bottom of the page. And then you'll go to your results. Now, in the next two slides I've given you two different examples of results. The first slide is just going to have someone who does not need an SR22 filing. The second one, it is a driver who does need an SR22. That way you can see the difference between the two.
 
Slide 9:
 
So this is what it will look like if you do not need an SR22. You'll see it has license status as valid, no restrictions, and you don't see a tab heading “withdrawals” like you will on the next slide of somebody who needs an SR22.
 
Slide 10:
 
So for a driver that needs an SR22, the results page will look similar to this. You'll see where license status is suspended. And just to the right of that, you'll see a tab “view reinstatement requirements”. While you're at this page, it's probably not a bad idea to look at those real quick just to make sure there's nothing besides the SR22 filing that you need to take care of before they give you your license back. So anyways, here's what we're looking for in the “withdrawals” heading. You'll see it posted twice, up at the top, “FRA”. That stands for financial responsibility. I have no idea what the “A” stands for. But anyways, you see here that it's required until March 17th of 2020. And it'll say that again here at the bottom of the tab “FRA End”, same date. So that's how you find out exactly how long you need to carry an SR22 filing.
 
Slide 11:
 
So I hope you've learned from this video what you need to know about finding out your SR22 filing information with the state BMV. If you'd like for me to run a quote for you personally for a policy with an SR22, click on one of the two links that I've got listed here. I will also have them posted on the bottom of the blog, or the YouTube description page. Or, if you just have any questions or want to get a quote by phone, I've also posted my phone number. Thank you for watching and have a great day!

Transcription

Slide 1:

Hello! I'm Dan Lyles with Lyles Insurance. And in this video, we're going to answer a frequently asked question: What is an Ohio SR22 bond?
 
Slide 2:
 
So what is an Ohio SR22 bond? I'm sure many of you have heard that term “SR22 bond” or “SR22 insurance”. The fact is they're both misleading terms. An SR22 is not a bond, nor is it auto insurance either. It's simply a state filing that attaches onto either a regular auto insurance policy or an Ohio financial responsibility bond.
 
Slide 3:
 
Here's the good part about what an SR22 filing does for you. When you buy an auto insurance policy or a financial responsibility bond that has an SR22 attached to it, the auto insurance company notifies the Ohio BMV that you have taken out an active SR22 filing. This SR22 is a guarantee to the BMV that you're carrying at least state minimum liability auto insurance coverage. Once the BMV processes your SR22 filing, your license will be reinstated (assuming you've paid all other fines and met all other requirements).
 
Slide 4:
 
Now here's the bad news about an SR22 filing. The easiest way to understand is what I call a “tattletale” …..  You need to keep this SR22 active for as long as the BMV requires you to carry it. And if you ever cancel on a policy or drop the SR22, the auto insurance company is required by law to “tattle” on you. That is, notify the BMV that the policy is canceled. Once this happens, your license is going to be suspended again until you have another active SR22 filing in place.
 
Slide 5:
 
Now I want to go over what an Ohio financial responsibility bond is. It's important that you understand that a financial responsibility bond is a special type of auto insurance policy that's designed for drivers who need auto insurance, but don't own a vehicle. And they're usually a lot cheaper than regular auto insurance. And the reason is because of the coverage. You'll see there, it offers state minimum liability coverage and nothing else. There are five major parts to a regular auto insurance policy. The bond will only cover you for one of those five, and that's at state minimum levels. And another thing, unlike regular auto insurance, coverage is only available for one driver. And that's the person named on the bond.
 
Slide 6:
 
It's important that you set up your SR22 filing properly. And it's very easy to do: If you own a vehicle or have a vehicle registered in your name, you simply need to take out a regular auto insurance policy and attach the SR22 filing on to it. And if you don't own a vehicle, then you just need to take out a Financial Responsibility Bond and again, the SR22 filing attaches onto it also. Now here's where the mistake is made: A lot of vehicle owners will settle for a financial responsibility bond instead of regular auto insurance because of the price. Or because they're driving record is so bad they can't afford regular auto insurance. I get it and I understand. But you need to understand that from a coverage standpoint this is a bad idea! And I'm going to explain why on the next slide.
 
Slide 7:
 
There are three major reasons why it's a bad idea to settle for a financial responsibility bond when you own a vehicle. Number one, state minimum liability level sucks for a vehicle owner! They’re good for a minor accident. But if you cause a serious accident with injuries, it's not going to be nearly enough coverage. Number two, as I mentioned before, you're missing four out of five major parts to an auto insurance policy: medical coverage, uninsured motorist coverage, comprehensive coverage, and collision coverage. All four of those are not offered on a bond. And number three, you can never allow anyone else to drive your vehicle with just a bond because it only covers one driver (the person named on the bond). This is where a lot of vehicle owners get into trouble. If you're only carrying a bond and you loan your vehicle out to somebody and they get pulled over, you're probably going to get in trouble. If they get in a major accident, then you're going to be in big trouble.
 
Slide 8:
 
Not all auto insurance companies will write SR22 filings and sell financial responsibility bonds.  And of the companies that do, a lot of them charge an arm and a leg for SR22 filings. So your best bet is to find an independent agent who specializes in high-risk auto insurance. They carry multiple SR22 friendly companies to shop around for a lower rate.
 
Slide 9:
 
If you'd like more information about SR22 filings, I've included some links for my website put on here. Got a page for my SR22 auto insurance, just gives you a little more general information. Or if you'd like for me to run you a quote personally, I've also included links for both vehicle owners and non vehicle owners. I've also included all of these links at the bottom, if you need to click on there. And also, if you'd rather just give me a call, I've also listed my phone number. Thanks for watching. And have a great day! 

Transcription:

Slide 1:

Hello! I'm Dan Lyles with Lyles Insurance. And in this video, we're going to go over tips for buying insurance on sports memorabilia.
 
Slide 2 :
 
As collecting sports memorabilia continues to become more popular, the value of collections that buyers acquire continues to go up as well. And finding the right insurance on those collections becomes much more important, just like it would be if you were to insure any type of collectible.
 
Slide 3:
 
And likewise, it's important to insure sports memorabilia collections that have high value, just like it would be to insure any type of property with high value. However, when insuring collectibles, you've got to do it properly. Which involves making the right choices versus wrong choices. If you're not aware of the pitfalls to look out for, it's easy to make the wrong choice.
 
Slide 4:
 
 First, let's go over the wrong way to insure collectible items. Insuring collectibles as attached scheduled items on a homeowners or renters insurance policy has many shortcomings. And this is where most people make the mistake. There are several problems with an attached policy. It has exclusions that are not found on a good collectibles policy. They only pay claims on an actual cash value basis, meaning just its market value. It almost always has a deductible. Very few policies will ever offer a zero deductible policy if it's attached to another policy. And it doesn't offer additional coverages that a good collectibles policy does.
 
Slide 5:
 
So now let's go over the right way to insure collectibles. A standalone exclusive collectibles policy offers much better coverage than one that's attached to another policy. And like I mentioned before, there is little to no difference in premium between a good policy and a lousy one. So it makes it a no-brainer to go with better coverage for about the same price.
 
Slide 6:
 
Here are some reasons why an exclusive collectibles policy beats an attached policy. It pays claims on an agreed value coverage basis, which means you know up front exactly what your items are being insured for. It offers zero deductible option, which of course is your out-of-pocket expense. It does not have those crazy exclusions that you'll see on an attached homeowners or renters policy for collectibles items. They offer extra types of coverage that you won't get on an attached policy. And you don't have those maximum coverage limits like many attached policies do.
 
Slide 7:
 
Now there are several very good companies out there who will offer standalone collectibles insurance with the right coverages for the right price. My personal favorite happens to be
American Collectors Insurance. Now I'm a little biased because my agency has carried them for several years. But I'm very happy with them. They're the leading company in collectibles insurance. And they offer all the top coverages for very little premium. And as you see here, the yearly premium is usually less than 1% of the total insured value.
 
Slide 8:
 
Here are some other major benefits of insuring with American Collectors Insurance. First, they have excellent claims handling service by people who specialize in collectibles. They don't require appraisals where most collectors companies do. They offer inflation guard protection in which your actual agreed value coverage increases yearly. This is a big one because it helps offset inflation. And it will also help if you have an item that appreciates in value. And they cover things that a lot of attached lousy policies won't cover. Examples include accidental breakage, fire, flood, theft, hurricane, earthquake and other things. You've got to look on the policy to see what's covered and what's not to really tell the difference between a good policy and a lousy one. And also, American collectors insurance provides coverage while your items are being shipped, stored outside of your residence, or used for special occasions.
 
Slide 9:
 
So I hope you've learned something from this video that will help you make the right choice in finding insurance for sports memorabilia. If you'd like some more information I've included links to my collectibles insurance page. And also, for those of you who live in Ohio, Indiana, Michigan, Pennsylvania, Virginia or West Virginia: If you would like for me to run you a quote personally, I've also included a link to get a quote as well. And at the bottom, I've also posted my phone number if you'd like to just give me a call. Thanks for watching and have a great day!
 




​

Transcription
 
Slide 1:
 
Hello! I'm Dan Lyles with Lyles Insurance. This video is about comparing classic car insurance costs and coverage versus a regular auto insurance policy.
 
Slide 2:
 
Most of you will have two options as far as getting insurance on your classic or antique car. Number one, you can simply insure it on your regular auto insurance policy, just like you do your everyday use vehicles. Or you can go with option number two, which is to put insurance on it from a stand-alone classic car insurance policy. And believe me, number two is the much better option. And in this video, I'm going to explain why.
 
Slide 3:
 
So let's start with coverage comparisons. There's five major reasons why classic car insurance beats a regular auto insurance policy. Number one, a classic car insurance policy pays claims on an agreed value coverage basis. Meaning you know upfront if you total your vehicle exactly how much you would be getting, because it’s stated right on the policy. A regular auto insurance policy only pays market value, which is known as actual cash value. That's not nearly as good, and you can get undercut that way. Number two, zero deductibles. Deductibles of course are your out-of-pocket expense. A classic car insurance policy is always going to offer zero deductibles, where auto insurance companies rarely do. And if they do, they charge a lot more for them. Number three is one liability charge. This only applies to people who have more than one classic vehicle. However, if that applies to you, that's a big money saver by not charging you liability charge for every vehicle on your policy like a regular auto insurance policy would. And number four, classic car insurance companies use claims adjusters who specialize in classic vehicles. A regular auto insurance company does not have that kind of expertise regarding classic cars. And finally, number five, you have a lot more flexibility choosing body shops with a classic car insurance policy.
 
Slide 4:
 
As far as qualifying for classic car insurance, it's very easy. There are only three things. Number one, your vehicle must be at least 25 years old (unless it's an exotic vehicle). Number two, it can't be a regular use vehicle. They understand you're going to drive these vehicles on occasion for things such as car shows, parades, occasional joy rides, things like that. But they don't want to see your vehicle used every day. And number three, you can't have any serious violations on your driving record. Minor tickets are okay. But they don't want to see things such as DUI’s or reckless Op’s on your record.
 
Slide 5:
 
Now, let's compare premiums between the two types of policies. And here's the good news as far as classic car insurance is concerned: Is that the premium is about the same if not less than regular auto insurance, even though the coverage is a lot better. They know you're going to be driving these vehicles less often. And less use equals less risk equals less premium. So it kind of offsets the increase of having the better and higher levels of coverage.
 
Slide 6:
 
I hope you've learned something from watching this video as far as classic car insurance. If you would like some more information, I've posted a link to my classic car insurance web page. And also, for those of you who live in Ohio, Indiana, Michigan, Pennsylvania, Virginia or West Virginia: If you would like me to run you a classic car insurance quote, I've also provided a link to a quote page. Fill that out, I'll find you the lowest rate I can for a good classic car insurance policy, and get back with you with prices. Or if you have any questions, I've also posted my phone number. Give me a call. I'll be happy to answer any questions you have. Thanks! And have a great day!
 

Related Blog Articles:

Video: Why Classic Car Insurance beats regular car insurance

Transcription
 
Slide 1:

Hello! I'm Dan Lyles with Lyles insurance. And this video is a buyer's guide for insurance on figurines and action figures. I know that many of you are building up a valuable collection and need collectible insurance coverage. And this video is going to help you with what you need to know. Also, I've included some really cool pictures that I hope you enjoy.
 
Slide 2:
 
As collecting figurines and action figures continues to gain in popularity, their value of course continues to go up. And finding insurance on figurines and action figures becomes more important,  just like it would be for insuring any type of collectible.
 
Slide 3:
 
And likewise, it's important to insure figurines and action figure collections that have high value, just like it's important to insure any type of property with high value. However, when you insure collectibles, you've got to do so properly/ And that involves making the right choices versus making the wrong choices. If you're not aware of the pitfalls to look out for, it's easy to make the wrong choice.
 
Slide 4:
 
First, let's go over the wrong way to insure collectible items. Insuring collectibles as attached scheduled items on a homeowners or renters insurance policy has many shortcomings. And this is where most people make the mistake. There are several problems with an attached policy. It has exclusions that are not found on a good collectibles policy. They only pay claims on an actual cash value basis, meaning just its market value. It almost always has a deductible. Very few policies will ever offer a zero deductible policy if it's attached to another policy. And it doesn't offer additional coverages that a good collectibles policy does.
 
Slide 5:
 
So now let's go over the right way to insure collectibles. A standalone exclusive collectibles policy offers much better coverage than one that's attached to another policy. And like I mentioned before, there is little to no difference in premium between a good policy and a lousy one. So it makes it a no-brainer to go with better coverage for about the same price.
 
Slide 6:
 
Here are some reasons why an exclusive collectibles policy beats an attached policy. It pays claims on an agreed value coverage basis, which means you know up front exactly what your items are being insured for. It offers zero deductible option, which of course is your out-of-pocket expense. It does not have those crazy exclusions that you'll see on an attached homeowners or renters policy for collectibles items. They offer extra types of coverage that you won't get on an attached policy. And you don't have those maximum coverage limits like many attached policies do.
 
Slide 7:
 
Now there are several very good companies out there who will offer standalone collectibles insurance with the right coverages for the right price. My personal favorite happens to be
American Collectors Insurance. Now I'm a little biased because my agency has carried them for several years. But I'm very happy with them. They're the leading company in collectibles insurance. And they offer all the top coverages for very little premium. And as you see here, the yearly premium is usually less than 1% of the total insured value.
 
Slide 8:
 
Here are some other major benefits of insuring with American Collectors Insurance. First, they have excellent claims handling service by people who specialize in collectibles. They don't require appraisals where most collectors companies do. They offer inflation guard protection in which your actual agreed value coverage increases yearly. This is a big one because it helps offset inflation. And it will also help if you have an item that appreciates in value. And they cover things that a lot of attached lousy policies won't cover. Examples include accidental breakage, fire, flood, theft, hurricane, earthquake and other things. You've got to look on the policy to see what's covered and what's not to really tell the difference between a good policy and a lousy one. And also, American collectors insurance provides coverage while your items are being shipped, stored outside of your residence, or used for special occasions.
 
Slide 9:
 
If you'd like to learn more about figurines and action figures insurance, I've included a link to my web page for collectibles. And also if you live in the states of Ohio, Indiana, Michigan, Pennsylvania, Virginia or West Virginia, and would like to get a quote. I will be more than happy to help you. I've also included a link to get a quote that I will handle personally and privately. And I've also included my phone number here.
 
Slide 10:
 
Before we finish, I'd like to give a big shout out and thank you to my good friend Ryan Bussey. Who was nice enough to let me use some pictures from his store. I've tried to include them on different slides just to give you a little bit of eye candy. But I really suggest you check out his website hyveofvillainy.com. Especially if you're into evil action figures or anything related to counterculture. Ryan has a huge inventory. And if you visit his site I'm sure you're going to find something you'd like to pick up for yourself. So I hope you've learned something from this video. And thanks for watching. Have a great day!