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In the United States alone, different states have different laws pertaining to DUI. In Georgia, for example, first and foremost, it is illegal to have an automobile vehicle (even golf carts) without liability insurance coverage. Letting a person without insurance drive the vehicle is also illegal.

The state of Georgia refers to them as mandatory liability coverage. The minimum mandatory liability coverage for Georgia is as follows:

1. One accident, one person physical injuries - $25,000.00
2. One accident, two or more persons physical injuries - $50,000.00
3. One accident, property damage - $25,000.00

In any case, the police officer will ask the driver for proof of mandatory liability coverage. IDs or papers from the insurance company must be presented.

If the insurance has lapsed during time of accident, the Georgia Department of Motor Vehicles shall suspend the vehicle operator's privileges or driving license until insurance has been renewed.

Now with DUI situations, the police officer would need a special kind of auto insurance called SR 22 car insurance or a high-risk auto insurance. This is proof of financial stability of the vehicle operator. It is a guarantee that the driver will keep the minimum insurance coverage for a given time.

SR 22 car insurances are special auto insurance such that the Department of Motor Vehicle and the car insurers classify especially those high-risk drivers that need this high-risk insurance.

High-risk drivers are basically those that exhibit poor driving habits (which can lead to DUI). Demographics such as the gender and age help insurers settle on whether to issue SR 22 car insurance.

SR 22 car insurances have two types of policies-

1. Owner policy - This is the policy for the owner of the motor vehicle. This can be issued with comprehensive coverage and others, of course with additional premiums to pay.

2. Non-owner policy - This is for the operator of the motor vehicle but not necessarily the owner. The car insurance company files the SR 22 and then the Georgia Department of Motor Vehicles also gets a copy. Motorcycles are also covered by the SR 22.

The Georgia Department of Motor Vehicles decide the time table as to which the SR 22 takes effect. All of this is based on the gravity of the infringement. Something like a DUI could take years.

It is very important that the SR 22 is not lapsed. Further penalties can and will be applied to the motor operator if the SR 22 is not renewed.

Faced with a DUI conviction and rising insurance bills? Visit Georgia SR-22 Insurance and find out how you can keep your insurance rates from going sky-high. DUI car insurance is expensive, but you can save on DUI car insurance if you know the secrets.

The first question that arises in the minds of people when considering home insurance is how to get home insurance very easily. To get home coverage, the first vital step is to find a prospective insurer. For this, consumers need to shop around for them.

It is also beneficial to check over the online companies and their quotes and prices. However, avoid stressing more on low cost coverage. This is because a low cost coverage does not mean a good deal. The stability and service of a company is most important. Hence, ascertain the credit status of insurance companies. After short listing the best companies, collect their quotes.

Some homeowners include their land cost in their insurance coverage. This is the most common mistake among all homeowners who buy insurance. However, they have to avoid such practices. This is because, when theft, flood or earthquakes occur, the land should not suffer any permanent damage. This may cause a customer to pay larger premiums in tune with the land value in their home insurance coverage.

A Few Effective Ways to Get Home Insurance:

Anyone who shops for a home policy is concerned about how to get home coverage with the best features. First, consumers need to determine what is best for them, and then decide how to get such coverage at an affordable price. Below are a few guidelines on how to get home insurance coverage with little or no trouble.

1. Ask friends and relatives about their experiences with home firms. If they suggest some insurer or agent, note them down. However, do not simply go with suggestions. Try to get details about such agents and insurers.
2. Visit the State Department of Insurance and create a list of firms that have a rank of A or greater. Remember to collect quotes from these short listed companies.
3. Get online quotes from as many of these companies as you can, and compare their quotes. Choose the best five insurance companies among them.
4. After selecting five companies, try to find out their ratings from several independent sources. Use A.M. Best Company, Better Business Bureau and Phelps to ascertain their crediting status. These credit rating agencies will help to decide how solid each of the selected insurers is.

Do not go for any company that has a rating less than A. Such companies are not in any position to guarantee compensation, if an insured person makes a claim.

Conclusion:

Insurance buyers may seek help from different bureaus, which exist online as well as off-line, to select the best deal for their dream home. Another key factor is that deals have to be within an insurance buyer's financial budget.

Consumers have the option to search for an optimal and affordable deal, from various companies that offer similar deals. Remember to hunt for discounts on any chosen policy.

The Internet is vast and there will be numerous results. However, consumers have to be very careful in finding a superior home insurance to protect their homes. The resources below can come in handy when looking for coverage.

Ian Wright wants everyone to be able to get the home insurance coverage that they need. So to help he has created pages on how to get: cheap home insurance quotes or visit: http://www.quick-online-insurance-quote.com/compare-home-insurance-quotes-online.html.

It's simple, really:

Blogs drive traffic to your website. If you're the owner of a business -- large, small, mid-size, online or brick-and-motor only -- you need a blog. More traffic to your website means more business for you.

More customers for you -- whether to your website or to your downtown storefront -- translates to more sales for you. And blogs do so very inexpensively. In fact, if you do the blogging yourself, your blog need not cost you a thing.

Zero. Zilch. Nada. Not one penny comes out of your pocket. So if your blog brings you more income with no outgo, what are you waiting for? Start blogging!!!

Just what >is a blog? Basically, it's an online diary, where the writer -- or blogger -- jots down his or her thoughts on just about anything -- his new girlfriend, her new job, his opinion of the Iraq war, her thoughts on Hillary Clinton's run for the White House.

And, increasingly, a business owner's musings, opinions, advice.

Blogs are great traffic generators because search engine "spiders" love "new" web pages. They find newly updated pages more quickly than older or the "static" pages on a typical website and place them at the top of keyword search result pages. If you post to your blog every day, you basically have created a "new" web page every day, and in two-three months -- or about 100 posts -- you should see a spike in your blog's visitors. And, if you've posted links back to your company's website within your blog's posts as well as placed a hyperlink or two on the blog's navigation bar, your business website should also receive more visitors.

Another benefit is that your business' customers feel they are part of the family. That they are a true part of your business -- talk about generating customer loyalty! There are several services that allow you to create a free blog: Wordpress, Blogger and Typepad are three of the most popular. Writers at online diary sites such as MySpace and Lifejournal also use their journals to advertise their small business.

So, what are you waiting for? Get blogging!

If you have a website, you need well-written content. Articles can create hundreds of links directing visitors to your site. Yet if you don't have the time, the inclination nor the talent to write articles, hire content writer Jean Henshaw to write them for you. A professional writer for more than 20 years, her keyword-targeted articles will provide your site's visitors with information they can trust. Information they'll return to again and again and again. Visit her site at http://www.contentscribe.com or contact her at henshawjean(at)wordpress(dot)com.