Transcription

Slide 1:

Hello! I’m Dan Lyles with Lyles Insurance. In this video, we’re going to go over the process from going from having a DUI to getting your license reinstated.

Slide 2:

As we all know, getting a DUI is a very costly mistake. Things you might have to face includes fines, court costs and other fees, a suspension, maybe some jail time, could lose your job, you may have to pay retribution if you caused an accident, and on and on and on.

Slide 3:

But sooner or later, you’re going to get to a point to where you need to get back on your feet, and get your driver’s license back. And this video aims to help you simplify that process, and go over the steps that you need to do to get there.

Slide 4:

As far as steps getting your license reinstated, it’s really simple. First, contact your state’s BMV or DMV and find out exactly what you need to do to get your license back. They will let you know all those things. Then you just need to get those taken care of, which include paying any fines, serving suspension times, or paying reinstatement fees or other fees. And then the last step is usually to buy auto insurance liability coverage. They’re going to require that before they make your license valid again. And in most states you will also have to carry a state filing as well. In most states, that state filing is what’s called an SR22 filing. Or for Virginia residents, you may be asked to carry an FR44 filing instead.

Slide 5:

For those of you who are not familiar with what an SR22 filing does, the simplest way to explain it is: it’s not auto insurance, it just attaches onto an auto insurance policy. And it acts like a monitor, or as a “tattletale”, as I like to call it. It keeps dibs on you to make sure you keep your auto insurance policy active during the time that the state requires you to carry it. If you ever lapse, cancel or expire on your policy, the auto insurance company is required by law to notify your DMV or BMV, and then your license gets suspended again.

Slide 6:

As far as buying the right type of auto insurance policy, it’s very simple. It only boils down to whether or not you own a vehicle. If you own a vehicle, you simply need a regular auto insurance policy, and attach the SR22 onto it. You’ll find out though, that many companies won’t write SR22 filings. Other companies do, but they charge a very high premium. Your best bet is to find an independent agent like myself who specializes in high risk auto insurance. They have companies that are more DUI and SR22 friendly, and can offer you lower rates. And the good part is, you get multiple quotes from several companies at once. And for those of you who do not own a vehicle, you need to take out what’s called a Named Operators auto insurance policy, and attach the SR22 onto it.

Slide 7:

So for those of you who live in Ohio, Indiana, Michigan, Pennsylvania, Virginia or West Virginia, if you would like for me to personally run you an auto insurance quote, I’ll be happy to do so. I have put links for both vehicle owners and non vehicle owners. Click on that link, fill out a short form, and I’ll get back to you with prices. Or if you would just like to get a quote over the phone, I’ve also posted my phone number there. Thank you for watching. And have a great day!



Related blog articles:

​ Video: Can I buy SR22 auto insurance with a suspended license?

Transcription

Slide 1:

Hello! I’m Dan Lyles with Lyles Insurance. In this video, we’re going to go over Uninsured Motorist coverage.

Slide 2:

Uninsured Motorist and Under-insured Motorist coverages are one of the more important components of your auto insurance policy. Yet, it is also the most overlooked part. There are states where it’s optional, and drivers may reject coverage. There’s also states where it’s required, but drivers only choose to take out the state minimum liability coverage that they can get by with.

Slide 3:

Now to quickly cover statistics, about 13% of all drivers on the road are uninsured. Now that’s the national average. In some states, it can be a lot higher, as many as 1 in 4 drivers. And also, another thing to keep in mind is that while most drivers are driving legally with liability coverage, many of them are only carrying the lowest level of coverage that their state requires. So that’s why both Uninsured and Under-insured motorist coverages are important.

Slide 4:

There are three parts to Uninsured Motorist coverage. Number one is Uninsured Motorist Bodily Injury coverage. And you see the abbreviations I have for each of these. For the first one, UMBI, represents Uninsured Motorist Bodily Injury coverage. You’ll often see those abbreviations on your Declaration Page of an auto insurance application. Number two: Under-insured Motorist Bodily Injury coverage. And that’s abbreviated UIMBI on your policy. And the third, Uninsured Motorist Property Damage coverage, which is abbreviated UMPD. Now let’s go over what each of these three are and what they mean.

Slide 5:

The first part: Uninsured Motorist Bodily Injury coverage. If you get hit by a driver and it’s their fault, and they’re not carrying liability coverage like they should, and you have injuries, uninsured motorist bodily injury coverage would kick in on your policy.

Slide 6:

The second part: Under-Insured Motorist Bodily Injury coverage. In this situation, if you get hit by a driver and it’s their fault, and the driver is carrying liability coverage, but the level of liability coverage that they’re carrying is not enough to cover all of your injury expenses. Under-Insured Motorist Bodily Injury coverage on your policy will kick in.

Slide 7:

And the third part: Uninsured Motorist Property Damage coverage. This is where, again, you get hit by a driver and it’s their fault and they’re not carrying liability coverage. This will pay towards your own vehicle’s property damage.

Slide 8:

Before we finish, there’s two more key points you need to know about. Number one, when you choose your level of uninsured motorist coverage you are limited to the amount of coverage you have chosen as your level of liability coverage. So keep that in mind because if you only chose state minimum liability coverage, then that’s all they’re going to allow you to have with uninsured motorist coverage. You can’t go any higher. And second, this is a loophole in the law that I do not like, but it is what it is. Uninsured motorist coverage will not apply if you get hit by an unidentified hit-and-run driver. So if somebody hits you and it’s their fault, but they take off and you don’t know who they are, you can’t apply that to uninsured motorist coverage. To have coverage for that, you need to have medical coverage on your auto policy and also Collision coverage to cover the property damage.

Slide 9:

For those of you who live in the six states that I sell auto insurance in, if you live in Ohio, Indiana, Michigan, Pennsylvania, Virginia or West Virginia, and you would like for me to personally run you an auto insurance quote, I will be very happy to do so. I have put a link here on my website to where you can go and fill out an auto quote form. And I will get back with you with rates. Or, if you’d just like to get a quote by phone, I’ve also listed my phone number. Thank you for watching and have a great day!

Get an Auto Insurance quote with Lyles Insurance

Call me for a quote

Transcription

Slide 1:

Hello! I’m Dan Lyles with Lyles insurance. In this video, we’re going to go over why insuring your classic car with classic car insurance beats regular auto insurance.

Slide 2:

If you own a classic, antique, vintage or exotic car, you are far better off insuring your vehicle with a classic car insurance policy than you are with a regular auto insurance policy. And that’s what this video is going to go over, is the advantages a classic car insurance policy has over regular car insurance.

Slide 3:

So let’s go over those advantages. Starting with #1: Better Claims handling. Claims adjusters for classic car insurance companies specialize in just classic cars. And therefore they have much more expertise in knowing how to repair them. They only use original stock parts in repairs, and you have more flexibility in choosing body shops. #2: Lower price versus regular auto insurance policies. And the reason is, they understand that you only drive classic cars on an occasional basis. You don’t use them every day like driving to work, or running errands like you do a regular every day use vehicle. And therefore, you get much lower premium.

Slide 4:

#3: Classic car insurance policies insure vehicles on an agreed value basis, not an actual cash value basis like regular auto insurance does. This is important because if you ever total your vehicle, you will know the exact amount that will be paid with agreed value coverage. Actual cash value coverage only pays for current market value, which is usually much less. #4: Zero deductible option. All classic car insurance companies will offer you a zero deductible for Comprehensive and Collision coverage. The good thing about it is, they offer those coverages at a very low rate. Regular auto insurance policies rarely ever offer zero deductibles. And if they do, they charge a lot higher premium for it.

Slide 5:

#5: Having only one liability charge. Now this only applies to those of you who own multiple classic or antique cars. But if it does apply, you only get charged one liability charge for the whole policy that covers all the vehicles on the policy. That’s a lot different than what you get with regular car insurance, where you get a liability charge for every vehicle you insure. So that saves you a lot of money if you own multiple classic cars. And #6: You get special coverage options specific for classic vehicles that you won’t see on a regular auto insurance policy.

Slide 6:

This is just a simple table that compares classic car insurance versus regular car insurance. I’m not going to go through it because we’ve already covered these. But once you look at them side-by-side, and see what is offered, there really is no comparison. Because classic car insurance is both better coverage and at a lower price.

Slide 7:

To see if your vehicle qualifies as a classic car, under classic car insurance, it’s pretty 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, and this one is important, it can’t be a regular use vehicle. Meaning, you can’t use this classic car to drive to work every day. In fact, in order to qualify, they’re going to want you to show proof that you have regular auto insurance on your every day vehicles. That way, they know you’re not driving these classic cars on a daily basis. And number three, you can’t have any serious violations on your driving record. A couple dings doesn’t matter. But if you have anything like a DUI or a reckless operation, they’re not going to allow you to take out classic car insurance. But other than that, those are the only main qualifications to a classic car insurance policy.

Slide 8:

For those of you who live in Ohio, Indiana, Michigan, Pennsylvania, Virginia or West Virginia, and you would like for me to personally run you a classic car insurance quote, I’ve listed a quote page on my website that you can click on and fill out. Or if you would rather get a quote by phone, I’ve also listed my phone number, and I’ll also have those posted on my site as well. Thank you for watching, and have a great day!

            
Transcription

Slide 1:

Hello! I’m Dan Lyles with Lyles Insurance. In this video, I’m going to go over why you shouldn’t buy auto insurance directly from an auto insurance company.

Slide 2:

Whether you shop online or by phone, buying auto insurance directly from a company is fast and convenient. But there are some shortcomings in doing so. And that’s what this video is going to go over.

Slide 3:

There are three main reasons why buying insurance directly from a company is a bad idea. Number one, it bypasses the agent, and they use a customer service rep instead. Agents, they have your best interest in mind, where the customer service reps are told what to say by the company. Number two, if you have an accident, you want to get claims advice from your agent. Not from a customer service rep, who’s going to, again, tell you exactly what the company wants them to tell you. This is really true with small minor accidents and accidents where you’re not at fault. And number three, it’s just not time efficient to quote with one company at a time. You can get a quote from an independent agent will get you a quote with multiple companies at once. That greatly increases your chances of getting the best rate.

Slide 4:

I want to give you a general background about the difference between an independent agent and a customer service rep. And also go over the difference between an independent agent and a captive agent. So first, let me go over independent agent (like myself). An independent agent sells insurance with multiple companies. So when you get an auto insurance quote with an independent agent, they’re going to take your quote information and shop around with several companies at one time. That gives you the best chance of finding the lowest rate. And also it’s the most time efficient, as opposed to quoting with one company at a time. A captive agent, they only sell with one company and they’re stuck with that company. They are direct employees of that company. And while they give you better advice than a customer service rep does, they’re still stuck with only being able to quote you once. And as far as a customer service rep, they get hired as an employee with one company, a direct company. They usually make hourly wages. And everything they tell you is scripted from the company. So the responses you get aren’t always in your best interest. They tell them what to say. And those little bits of advice are more often than not in the company’s best interest.
​
Slide 5:

I’ve made a quick reference chart here to help you go over the pros and cons of both types of agents and customer service reps. So just briefly look over that. It will give you a good understanding of the difference between the three that I’ve been talking about.

Slide 6:

For those of you who live in Ohio, Indiana, Michigan, Pennsylvania, Virginia or West Virginia, if you’d like to get an auto insurance quote, I will be happy to run one for you personally myself. I’ve left my quote information from my website on here. And I’ve also listed my phone number. You can go online and get a quote or just give me a call. Thank you for watching and have a great day!

Related Blog Articles:

Video: Should I add/increase deer coverage on my auto insurance
​

​Video: The best way to buy auto insurance online