Iowa Personal Injury Attorney Des Moines Car Boat Semi Accident Head Neck Back Spine Brain Trauma Product Liability Lawyer Council Bluffs Ames Cedar Rapids #des #moines #car #accident #lawyer, #estate #planning #wills #trusts #will #trust #probate #buisness #family #real #estate #law #financing #permits #plan #licenses #employees #insurance #incorporation #assess #protection #elder #law #divorce #adoption #child #custody #alimony #visitation #support #brokers #contracts #transfers #deeds #home #impection #mortgages #foreclosure #revocable #irrevocable #testamentary #special #needs #trustee #trustor


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DISCLAIMER: The information you obtain at this site is not, nor is it intended to be, legal advice. You should consult an attorney for advice regarding your individual situation. We invite you to contact us and welcome your calls, letters and electronic mail. Contacting us does not create an attorney-client relationship. Please do not send any confidential information to us until such time as an attorney-client relationship has been established.

Des Moines, Iowa Attorney practicing in Iowa primarily in Estate Planning. Trust, Wills Probate. Business Law. Family Law. Personal Injury. Real Estate. Attorneys at Howes Anderson, P.C. Law Office are dedicated to serving their clients in Iowa, including the cities of West Des Moines and throughout the state of Iowa, including the communities of Polk County, Dallas County, Warren County, Clive, Waukee, Urbandale, Johnston, Windsor Heights, Ankeny, Norwalk, Grimes, Granger, Pleasant Hill, Altoona, Indianola, Carlisle, Adel, Des Moines and surrounding communities.


PA Special Education Lawyers #pennsylvania #special #needs #education #lawyers, #pa #special #education #attorneys, #new #jersey #children’s #rights #law, #dave #frankel, #josh #kershenbaum, #maria #vetter, #montgomery #county, #bullying #laws, #school #discipline #law, #student #rights, #child #injury #lawyer


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The law firm of Frankel & Kershenbaum is dedicated to serving the legal needs of children and families in Pennsylvania and New Jersey. Based in Delaware County, PA. Frankel & Kershenbaum is the law firm of choice for:

Frankel & Kershenbaum provides legal counseling and representation in special needs education law and other matters to families and children throughout Pennsylvania and New Jersey. The firm was founded by Emmy Award-winning former weatherman, news anchor and investigative reporter Dave Frankel and former elementary school teacher Josh Kershenbaum. These outstanding attorneys began their legal careers with a large Philadelphia law firm before joining forces as determined advocates for children, including children with special needs. They bring a singular combination of passion, intellect and experience to their comprehensive education and child-focused practice.

Attorneys Michael D. Raffaele and Jason Fortenberry are each of counsel to the firm. Our attorneys work closely with the firm’s Education Consultant/Advocate Maria Vetter. as well as the firm’s Certified School Psychologist Amber Killeen. the Business Manager/Paralegal Joan Scannella and our office administrators Denise Braud and Josie Karasavas. The Frankel & Kershenbaum team provides full-service counseling and representation to secure special education services for their clients, including federal and state litigation, due process hearings, administrative appeals, IEP meetings and development, settlement negotiations, discipline matters and bullying and harassment. Michael. who was formerly an attorney with the Federal Defender’s Office in Philadelphia, and John also focus their practice on Juvenile Justice, Criminal Defense and School Discipline .

To learn more about your child’s rights or for assistance with a legal matter of another nature, contact Frankel & Kershenbaum today.

News and Events

Good Law, Bad Law
Check out the latest episode of the podcast, Good Law Bad Law, featuring, Josh Kershenbaum of Frankel and Kershenbaum.

GOOD NEWS FOR DISABLED STUDENTS
The Chief Justice summed up: “When all is said and done, a student offered an educational program providing ‘merely more than de minimis’ [bare minimum] progress from year to year can hardly be said to have been offered an education at all. For children with disabilities receiving instruction that aims so low would be tantamount to sitting idly awaiting the time when they were old enough to drop out.”

Chased By A Lion
Anxiety in children is so much more than just being anxious.

Demand for newly approved autism therapy may exceed certified Pa. providers
Josh Kershenbaum was interviewed for this compelling article addressing the challenges of securing ABA (Applied Behavioral Analysis) Therapy for kids. Newly covered under Medicaid in Pennsylvania, the demand will outweigh the availability of qualified professionals.

BORDERLINE PERSONALITY DISORDER
If you or someone you love might be suffering from Borderline Personality Disorder (BPD) we urge you to watch this extraordinary documentary. There is hope!

School Vouchers and Students with Disabilities: Examining Impact in the Name of Choice
Frankel & Kershenbaum is proud to belong to COPAA, The Council of Parent Attorneys and Advocates, “Protecting the Legal and Civil Rights of Students with Disabilities and their Families.”

HAPPY ANNIVERSARY F KERSHENBAUM. lawyers for kids and families, is proud to be celebrating its Firmiversary!

LEGO GROUP in DOYLESTOWN
Attention: Lego -based Social Skills Group starting June 2016 in Doylestown, PA

Office for Civil Rights Annual Report
The U.S. Department of Education’s Office for Civil Rights released its fiscal year 2015 annual report highlighting efforts during the last year to protect students civil rights and increase educational equity nationwide

JOSH KERSHENBAUM At Villanova Law School Event Friday, January 29, 2016
EVENT ANNOUNCEMENT Sports, Violence and Equality: Current Issues in Title IX Compliance, Featuring Big East Commissioner Val Ackerman

COPAA Testifying January 11, 2016
FRANKEL KERSHENBAUM, Lawyers for Kids and Families, are proud members of COPAA, the Council of Parent Attorneys and Advocates.

UNIVERSAL PRE-K MEETING IN PHILLY
LEARN ABOUT UNIVERSAL PRE-KINDERGARTEN IN PHILADELPHIA
TUESDAY, DECEMBER 8TH, 5:30-7PM

JOSH KERSHENBAUM quoted in the press
The Legal Intelligencer quoted Josh in today’s article on Special Education Law Practices.

Kristy Asral joins firm
Frankel Kershenbaum welcomes new Advocate, Special Education Consultant, Behavior Consultant

As schools and classrooms have become more inclusive, some schools are using the co teaching model in their classrooms. Many do not know what a co taught class looks like or the benefits it provides to the students. This interesting article takes a look at the co teaching model. A must read!

SUPER LAWYERS RISING STARS ARE HERE!
Dave Frankel Josh Kershenbaum named SUPER LAWYERS RISING STARS 2015!

One Day More!
With this amazing kick-off to the new school year, we salute teachers everywhere!

“Straight Talk” Radio Interview
Radio interview with Dave, Josh and Maria answers so many questions about the rights of special needs children and how to help them reach their fullest potential.

Disturbing Video Shows Kentucky Officer Handcuff Crying Third-Grader At School
WASHINGTON — A school resource officer in Kentucky handcuffed a crying third-grader with disabilities last year, according to a new video released by the American Civil Liberties Union.

Divorce in a Special Needs Family
The stakes are high. Understand a complicated process to make sure you truly act in your child s best interest.

Michael D. Raffaele of Frankel Kershenbaum and David Finger of Finger Slanina are representing Ms. Mendieta to vindicate her First Amendment rights.

Support Michael Ross – Semi Colon Shirt
In support of our good friend, Michael Ross, who was diagnosed with an aggressive form of stage 4 colon cancer in September of 2014. Over the past few months, he has had part of his colon removed and undergone intensive chemotherapy. Michael continues to work as a physician, and to work out as an athlete regularly. While the cancer has given him pause, it has not stopped him.

PILCOP Special Education Seminar includes our very own Michael D. Raffaele
Our very own Michael D. Raffaele will be presenting at an upcoming special education and discipline seminar for PILCOP on Saturday, December 13th

One Test Fits All?!
JOSH KERSHENBAUM Testifies before Philadelphia City Council re Standardized Testing

This Kid Was Bullied A LOT. He Could Have Told His Teacher Or His Principal But He Had Bigger Plans.
11-year-old Caine Smith was choked, beaten, harassed, and was called a long list of names simply because he had two moms and long hair. Instead of staying locked away and hiding, he stood up and did something about it.

IEP vs. 504: What’s the Difference?
Check out Jennifer Nestle and Josh Kershenbaum’s new article in Metrokids Magazine and learn about the important differences between 504 Plans and IEPs.

Practice Areas


Adaptive and Assistive Technology @ #rehab, #assistive #adaptive #technology #computer #equipment #disabilities #disabled #disability #software #accessible #augmentative #communication #device #rehabilitation #speech #synthesis #voice #recognition #adaptation #adapted #technologies #resource #assistive #adaptive #technology #computer #computers #equipment #disabilities #disabled #disability #alternative #text-to-speech #communication #board #screen #reader #virtual #on-screen #onscreen #keyboard #letter #board #alphabet #tool #aid #accessibility #access #accessible #at #act #aac #voca #ergonomic #ergonomics #handicap #handicapped #assisted #living #seniors #senior #citizens #citizen #elderly #directory #assistance #guidelines #special #education #impaired #impairment #disorder #quadriplegic #quadriplegia #quad #para #paraplegic #quadaplegic #quadraplegic #sci #spinal #cord #injury #vocalize #ivocalize #ivisualize #isensorize #medical #rehabilitative #rehab #lab #inc. #newsletter #evaluation #conference #vision #hearing #auditory #deaf #blind #motor #cognitive #learning #psychological #impairment #disorder #therapy #challenged #mobility #paralysis #paralyzed #daily #living #assisted #living #ms #ot #pt #neurological #orthophonie #ergoth�rapie #r��ducation #fonctionnelle #r�adaptation #traumatis� #traumatisme #ordinateur #informatique #help #special #needs #education #intervention #ada #american #with #disability #act #logiciel #impaired #handicaps #health #neurology #impediment #ada #adaptive #tools #assistive #devices #neurological #aging #agoraphobia #als #alzheimer’s #disease #amputee #amytrophic #lateral #sclerosis #aphasia #arthritis #artificial #limb #ataxia #attention #deficit #hyperactivity #disorder #adhd #add #autism #back #pain #bipolar #blind #braille #brain #injury #cancer #cerebral #palsy #chronic #colitis #copd #crohn’s #disease #cripple #crip #cystic #fibrosis #deaf #developmental #diabetes #dialysis #down #syndrome #dyslexia #emphysema #epilepsy #exceptional #children #kids #schools #classroom #students #handicapped #heart #huntington’s #independent #lame #learning #leukemia #lupus #macular #degeneration #mentally #mental #illness #mental #retardation #ms #multiple #sclerosis #muscular #dystrophy #occupational #therapy #osteoporosis #paralyze #paralyzed #paralysis #paraplegia #parkinson’s #disease #physical #physically #phobia #polio #power #wheelchair #prosthetic #pt #rehabilitation #medicine #rehabilitation #engineering #pigmentosa #schizophrenia #seizures #sensory #spasms #special #education #spina #bifeda #spinal #cord #injury #ssdi #stroke #support #groups #tay-sachs #tinnitus #tumor #universal #design #vision #problems #wheelchairs #wound


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rehab tool.com specializes in computer adaptations and builds custom software solutions for children and adults with disabilities. Our flagship product Vocalize is an innovative speech assistant that we developed with speech impaired persons to enable them to speak in a friendly human voice using standard computer equipment. We also offer FREE product searches .

For the past six years, rehabtool.com has strived to meet your special education and rehabilitation needs, often exceeding your expectations. So be sure to check out our attractive and cost-effective product and service offerings.

Need help selecting the right assistive technology?
Cannot locate the adaptive equipment you need?
Looking for specific computer access products?

Take advantage of our popular Product Search Referral service. We offer many search options ranging from one-time searches to all-inclusive yearly research packages for healthcare and medical professionals, special education teachers, and rehabilitation therapists.

To find a product, click here . Our assistive technology specialists will conduct personalized product searches, recommend appropriate solutions, and send you relevant links and references to the products that best meet your needs and requirements. Simple as that! So don’t hesitate to try our Product Search Referral service today.

Check out rehabtool.com ‘s favorite links and find assistive technology products, augmentative communication devices, computer access aids, and other adaptive equipment.

Click on the links below to conveniently access the largest product catalogs, databases, and vendor directories available on the Internet. To quickly find what you need, use our color-based Assistive Technology classification. Learn more.

This collection of links is provided to you for informational purposes only. Be sure to read our disclaimer .

LINKS TO PRODUCT LISTINGS

LINKS TO VENDOR LISTINGS

Assistive or Adaptive Technology (AT) commonly refers to products, devices or equipment, whether acquired commercially, modified or customized, that are used to maintain, increase or improve the functional capabilities of individuals with disabilities. Learn more.

Assistive Technology is best understood when divided into categories or product families. Click here to view rehab tool.com ‘s thorough Assistive Technology classification.

Welcome to the Assistive Technology Online Community! Your destination for finding and exchanging information about assistive technologies. It’s FREE and a lot of fun! You can interact with other members, find answers to your questions, seek advice, or share ideas through discussion forums, email lists, and chat rooms. To become a member, visit the community web sites below and choose Join or Subscribe .

Looking for Assistive Technology products, reviews and recommendations, free software, books, and more? Need help finding new or used equipment? Join the AT Online Community and share AT information with other members today!

Have questions about Assistive Technology? Need help finding adaptive equipment? Subscribe to the AT 4HELP email lists and start sending messages to other members today! Click on Yahoo! Groups or Topica .

Join the coolest Assistive Technology Clubs on the Web and chat with other members who share your interests. Membership is free. So don’t wait, sign up today!

To join, or just visit the Assistive Technology Clubs, click on MSNYahoo! or Lycos .


What Is Supplemental Life Insurance? #life #insurance #needs #analysis #form


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Do you need supplemental life insurance?

The good news is your company offers life insurance as part of an employee benefits package. The bad news is it may not be enough. You may need to look into supplemental life insurance to fill in the financial gaps.

According to a 2010 study by LIMRA, a life insurance and financial services research and consulting association, 1 in 4 U.S. families relies on group life insurance to provide fiscal stability in case a wage earner dies. However, while employer-sponsored group plans are often free or substantially cheaper than individual life insurance policies, experts say group plans rarely provide enough coverage and could potentially leave you high and dry if you lose your job or move to a different company.

Here s how to determine whether your employer-sponsored life insurance policy is covering your needs.

How employer-sponsored plans work

If you re lucky enough to have some free life insurance offered through your company or your spouse s company, take it, says Bill Suneson, co-founder and president of Next Generation Insurance Group in Boston.

Typically, employers offer (their employees) a term life policy, he says. The key advantage is that you don t have to show proof of insurability.

Unlike individual life insurance plans that require policyholders to undergo a medical evaluation to obtain insurance, employer-sponsored group policies offer coverage to all employees for the same rate, even those who may be rejected from individual plans. Employer-sponsored plans present a few problems, says Suneson. Because they re created to cover a group, company life insurance policies are generally designed with a one-size-fits-all mentality and may not include certain riders, such as long-term care or accelerated death benefits, that supplemental life insurance can provide.

There s also the issue of whether you ll lose the coverage if you leave the company or get laid off, says Alan Lavine, co-author of the book Short and Simple Guide to Life Insurance. You could be out of luck if (your policy) is not transferable.

The major problem with employer-sponsored life insurance is most companies simply don t offer enough. Employers who offer life insurance benefits typically pay for coverage equivalent to one to two times the employee s salary, says Steve Zadeh, manager of sales development for Kansas City Life Insurance Co. in Missouri.

For a young, single employee who s renting an apartment and has very few debts or obligations, that s probably fine, he says.

For employees with dependents, company-sponsored coverage is rarely enough. Zadeh says most group plans allow employees to buy a certain amount of additional coverage, but even that might not be enough. Employees may have to undergo medical underwriting to qualify for the supplemental life insurance, and it could be more expensive than purchasing a separate, individual policy.

Supplementing your company plan

If your company policy just isn t cutting it, you can purchase additional coverage through your company, buy supplemental life insurance or both. The first step to making that choice is figuring out how much life insurance you really need.

Find an experienced person that deals with life insurance, and do a needs analysis, says Lavine. Typically, the insurance needs analysis results in people needing five to eight times their current wages in life insurance.

A thorough needs analysis should consider two vital factors: the total amount of your current debts including your mortgage, car payments, student loans and credit card debt, as well as your share of future household expenses such as the cost of your children s future college tuition.

Once you understand your life insurance needs, you ll have to decide if it s better to purchase additional insurance through your employer s plan or buy a separate supplemental life insurance policy. Zadeh says employees debating whether to apply for additional coverage through their company s plan need to first evaluate how long they plan to stay with their current employer, since it might not be wise to purchase supplemental insurance through a company plan if you see a layoff or job change in your future.

It s always good to know the (insurance) company, how long they ve been in business and what their ratings are, Zadeh says.

Policyholders will also need to examine whether additional term insurance they purchase through an employer-sponsored plan can be converted down the road. While some term insurance policies can be converted to cash value policies after a certain number of years, some term insurance plans cost an outrageous amount to convert or simply can t be converted at all.

Dan Cotter, principal and director of risk management with Rehmann Financial in Westlake, Ohio, says policyholders thinking about purchasing additional insurance through a company plan should do some comparison shopping before taking the plunge. Premiums for an individual policy over a long period of time Cotter says 10 years or more can be less expensive than purchasing through a company plan.

Regardless of whether you purchase supplemental life insurance or additional company insurance, Cotter says to make sure to take any free life insurance your company is willing to offer. I ve never ever seen a case where someone has said that they have too much life insurance, he says. Never.

More From Bankrate


Childhood Development Psychology Programs, Schools, Degrees – Psychology Degrees Online #online #childhood #development #psychology #programs, #online #childhood #development #degree, #childhood #development, #childhood #development #psychologist, #how #to #become #a #childhood #development #psychologist, #how #to #become #a #child #counselor, #early #childhood #development, #special #needs, #social #psychologist


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Childhood Psychology

Home Careers Childhood Psychology

Help Children Grow Up Strong & Emotionally Healthy

Child psychologists focus on the mental health and behavior of children and adolescents as they grow up. Child psychologists can help children with issues like emotional health, mental disorders, issues with family and school, learning disabilities, cognitive impairment, or abuse. A Psychology degree in Childhood Development can prepare you to work with children in several different capacities.

Child psychologists can pursue work in several industries, including:

Aside from working as psychologists and counselors, child psychologists can advise governmental organizations about child-related policy, develop new tools for child evaluation, or conduct research about the mental health and wellbeing of children.

What Will I Learn In A Childhood Development Program?

As a Childhood Development student, you will have the opportunity to investigate a broad-array of core topics as they relate to the physical and psychological development of children. You will have the chance to study the remarkable physical, cognitive, social and emotional development of the brain. Your classes may cover subjects like:

  • Early Childhood Development
  • Child Growth and Development
  • Child Psychology
  • Infant and Toddler Care
  • Children with Special Needs
  • Child Communication
  • Health, Safety & Nutrition

Your Future in Childhood Development Starts Here

Earn your degree in Childhood Development! Online psychology programs are allowing more and more students to further their education, while they work—from traditional college students, to working parents and professionals.

Due to the nature of this work, careers in the psychology field require at least a Bachelor’s degree and graduate-level degrees are recommended for individuals who want to become child psychologists and excel in the field.

A Bachelor’s degree in child psychology may qualify you to assist psychologists and other professionals in community mental health centers, rehabilitation offices, and schools. A graduate degree in child psychology may qualify you to practice as a psychologist and will generally require at least 2 years of full-time graduate study.

If you’re looking for more flexibility and convenience, some online colleges offer accelerated psychology programs that you can complete in less time, while you continue to work!

We can help get you started. Simply fill out the form at the right and we’ll match you to Childhood Development programs that meet your unique needs in seconds. A school enrollment counselor will contact you to answer all of your questions about online classes, tuition, financial aid and more.

Recommended Psychology Schools:

Click on a school for more information!


SOS – Who Needs a Dealer License? #insurance #auto #auction


#auto dealers license
#

You are here

  1. SOS
  2. Automotive-related Businesses
  3. Information for Vehicle Dealers
  4. Licensing & Renewal Requirements

Who Needs a Dealer License?

How many vehicles can I sell before I need a license?

A dealer’s license will be required if a person conducts the buying, selling, brokering, leasing, negotiating a lease, or dealing in 5 or more vehicles in a 12-month period. The law states that if you are in the business of buying, selling, brokering or otherwise dealing in vehicles, you need a dealer license. In the law, “vehicle” means: any vehicle required to be titled, motor vehicles, trailer coaches, and trailers weighing over 2500 lbs.

What type of dealer license do I need?

The type of license you need depends on the type of business you intend to operate.

Class A (New Vehicle Dealer) – A licensed new vehicle dealer buys and sells new vehicles under a franchise agreement or contract with the manufacturer of the new vehicle.

Class B (Used Vehicle Dealer) – A licensed used vehicle dealer buys and sells used vehicles.

Class C (Used Vehicle Parts Dealer) – A licensed used vehicle parts dealer buys or otherwise acquires late model major component parts for resale, either at wholesale or at retail. The dealer may also acquire whole vehicles to dismantle for the resale of parts, selling the remainder as scrap.

Class D (Broker) – A licensed broker is a dealer who, for compensation, brings a buyer and seller together, negotiates the terms of a transaction, or displays a vehicle offered for sale. In the broker’s role regarding the sale, purchase, lease or exchange of vehicles or salvageable parts, the broker does not have title or other legal interest in the vehicle or salvageable part. A person who conducts a vehicle auction is a type of broker and requires a Class D license.

Class E (Distressed Vehicle Transporter) – A licensed distressed vehicle transporter dealer may buy, transport, and sell vehicles only to a Class C Used Vehicle Parts Dealer; Class F Scrap Metal Processor; or Class R Automotive Recycler.

Class F (Vehicle Scrap Metal Processor) – A licensed vehicle scrap metal processor dealer processes vehicles into scrap metal by shredding, shearing, fragmenting, baling, or similar means. Crushing is not considered a scrap metal process since it is not the final step before remelting.

Class G (Vehicle Salvage Pool) – A licensed vehicle salvage pool dealer stores and displays damaged or distressed vehicles for insurance companies.

Class H (Foreign Salvage Vehicle Dealer) – A licensed foreign salvage vehicle dealer is licensed in another state and is engaged in this state in the business of purchasing, selling, or otherwise dealing on a wholesale basis in salvageable parts or late model distressed vehicles. This dealer buys or otherwise acquires late model major component parts for resale, either at wholesale or at retail. The dealer may also acquire whole vehicles to dismantle for the resale of parts, selling the remainder as scrap.

Class R (Automotive Recycler) – A licensed automotive recycler dealer buys or otherwise acquires late model major component parts for resale, either at wholesale or at retail. The dealer may also acquire whole vehicles to dismantle for the resale of parts, selling the remainder as scrap.

Class W (Wholesaler) – A licensed wholesaler dealer engages in the business of buying and selling used vehicles from and to licensed vehicle dealers. Wholesalers may not buy, sell or otherwise deal in vehicles to a person other than a licensed vehicle dealer.

Additionally, only a Salvage Vehicle Agent may buy salvage or scrap titled vehicles at an auction. Class C and Class R dealers will also need to have the Salvage Vehicle Agent license.

What do I need to get a dealer license?

All dealers must complete an application; have an established place of business; obtain fingerprints through Identix and provide copies of Articles of Incorporation or Assumed Name Filing for the business.

New and used vehicle dealers must also have Michigan No-fault fleet type insurance; either their own registered repair facility or an agreement with a registered repair facility; and at least 2 dealer plates. New vehicle dealers must have a franchise agreement with a manufacturer.

Used vehicle parts dealers and automotive recyclers must have evidence of Worker’s Compensation insurance or a notice of exclusion.

Zoning and Municipal Approval: An applicant for a dealer license (with the exception of a foreign salvage vehicle

dealer – Class H license) must provide written verification from the appropriate municipal and zoning authority that the applicant’s established place of business meets applicable municipal and zoning requirements. Municipal and zoning approval forms will be included with a dealer license application and must be completed by the appropriate municipal and zoning authority. Self-certification by the applicant will not be permitted.

Established Place of Business: An established place of business is a place where the dealer keeps his books and records and conducts business. All applicants for a new or used vehicle dealer’s license must certify that the business location meets the expanded established place of business requirements required by P.A. 495 of 2004. For specific information on established place of business and other dealer requirements, you may contact the Bureau of Driver and Vehicle Programs at 1-888-SOS-MICH (1-888-767-6424), or check the Secretary of State Web site by clicking on “Automotive-related Businesses” at www.Michigan.gov/sos.

Surety Bond: Applicants for a new vehicle dealer, used vehicle dealer, or broker’s license must obtain a surety bond. A surety bond is like an insurance policy and can be obtained from insurance companies or bonding companies. It must be a continuous bond for the amount of $10,000. See Consumer Industry Services, authorized Surety Company List.

Michigan No-Fault Fleet Insurance: You must have 20/40/10 fleet-type insurance indicating coverage for “any vehicle” or “all owned vehicles”.

How much does it cost to get a dealer license?

The license fee for Class C, Class H and Class R dealers is $160. All other licenses cost $75. Dealer plates are $10 each.

If you would like to apply for a Michigan Vehicle Dealer License, the application is available on the Secretary of State Web site by clicking on “Automotive-related Businesses” at www.Michigan.gov/sos or you may call the Bureau of Driver and Vehicle Programs at 1-888-SOS-MICH (1-888-767-6424) and request a dealer license application packet.


SOS – Who Needs a Dealer License? #bad #credit #auto #loans


#auto dealers license
#

You are here

  1. SOS
  2. Automotive-related Businesses
  3. Information for Vehicle Dealers
  4. Licensing & Renewal Requirements

Who Needs a Dealer License?

How many vehicles can I sell before I need a license?

A dealer’s license will be required if a person conducts the buying, selling, brokering, leasing, negotiating a lease, or dealing in 5 or more vehicles in a 12-month period. The law states that if you are in the business of buying, selling, brokering or otherwise dealing in vehicles, you need a dealer license. In the law, “vehicle” means: any vehicle required to be titled, motor vehicles, trailer coaches, and trailers weighing over 2500 lbs.

What type of dealer license do I need?

The type of license you need depends on the type of business you intend to operate.

Class A (New Vehicle Dealer) – A licensed new vehicle dealer buys and sells new vehicles under a franchise agreement or contract with the manufacturer of the new vehicle.

Class B (Used Vehicle Dealer) – A licensed used vehicle dealer buys and sells used vehicles.

Class C (Used Vehicle Parts Dealer) – A licensed used vehicle parts dealer buys or otherwise acquires late model major component parts for resale, either at wholesale or at retail. The dealer may also acquire whole vehicles to dismantle for the resale of parts, selling the remainder as scrap.

Class D (Broker) – A licensed broker is a dealer who, for compensation, brings a buyer and seller together, negotiates the terms of a transaction, or displays a vehicle offered for sale. In the broker’s role regarding the sale, purchase, lease or exchange of vehicles or salvageable parts, the broker does not have title or other legal interest in the vehicle or salvageable part. A person who conducts a vehicle auction is a type of broker and requires a Class D license.

Class E (Distressed Vehicle Transporter) – A licensed distressed vehicle transporter dealer may buy, transport, and sell vehicles only to a Class C Used Vehicle Parts Dealer; Class F Scrap Metal Processor; or Class R Automotive Recycler.

Class F (Vehicle Scrap Metal Processor) – A licensed vehicle scrap metal processor dealer processes vehicles into scrap metal by shredding, shearing, fragmenting, baling, or similar means. Crushing is not considered a scrap metal process since it is not the final step before remelting.

Class G (Vehicle Salvage Pool) – A licensed vehicle salvage pool dealer stores and displays damaged or distressed vehicles for insurance companies.

Class H (Foreign Salvage Vehicle Dealer) – A licensed foreign salvage vehicle dealer is licensed in another state and is engaged in this state in the business of purchasing, selling, or otherwise dealing on a wholesale basis in salvageable parts or late model distressed vehicles. This dealer buys or otherwise acquires late model major component parts for resale, either at wholesale or at retail. The dealer may also acquire whole vehicles to dismantle for the resale of parts, selling the remainder as scrap.

Class R (Automotive Recycler) – A licensed automotive recycler dealer buys or otherwise acquires late model major component parts for resale, either at wholesale or at retail. The dealer may also acquire whole vehicles to dismantle for the resale of parts, selling the remainder as scrap.

Class W (Wholesaler) – A licensed wholesaler dealer engages in the business of buying and selling used vehicles from and to licensed vehicle dealers. Wholesalers may not buy, sell or otherwise deal in vehicles to a person other than a licensed vehicle dealer.

Additionally, only a Salvage Vehicle Agent may buy salvage or scrap titled vehicles at an auction. Class C and Class R dealers will also need to have the Salvage Vehicle Agent license.

What do I need to get a dealer license?

All dealers must complete an application; have an established place of business; obtain fingerprints through Identix and provide copies of Articles of Incorporation or Assumed Name Filing for the business.

New and used vehicle dealers must also have Michigan No-fault fleet type insurance; either their own registered repair facility or an agreement with a registered repair facility; and at least 2 dealer plates. New vehicle dealers must have a franchise agreement with a manufacturer.

Used vehicle parts dealers and automotive recyclers must have evidence of Worker’s Compensation insurance or a notice of exclusion.

Zoning and Municipal Approval: An applicant for a dealer license (with the exception of a foreign salvage vehicle

dealer – Class H license) must provide written verification from the appropriate municipal and zoning authority that the applicant’s established place of business meets applicable municipal and zoning requirements. Municipal and zoning approval forms will be included with a dealer license application and must be completed by the appropriate municipal and zoning authority. Self-certification by the applicant will not be permitted.

Established Place of Business: An established place of business is a place where the dealer keeps his books and records and conducts business. All applicants for a new or used vehicle dealer’s license must certify that the business location meets the expanded established place of business requirements required by P.A. 495 of 2004. For specific information on established place of business and other dealer requirements, you may contact the Bureau of Driver and Vehicle Programs at 1-888-SOS-MICH (1-888-767-6424), or check the Secretary of State Web site by clicking on “Automotive-related Businesses” at www.Michigan.gov/sos.

Surety Bond: Applicants for a new vehicle dealer, used vehicle dealer, or broker’s license must obtain a surety bond. A surety bond is like an insurance policy and can be obtained from insurance companies or bonding companies. It must be a continuous bond for the amount of $10,000. See Consumer Industry Services, authorized Surety Company List.

Michigan No-Fault Fleet Insurance: You must have 20/40/10 fleet-type insurance indicating coverage for “any vehicle” or “all owned vehicles”.

How much does it cost to get a dealer license?

The license fee for Class C, Class H and Class R dealers is $160. All other licenses cost $75. Dealer plates are $10 each.

If you would like to apply for a Michigan Vehicle Dealer License, the application is available on the Secretary of State Web site by clicking on “Automotive-related Businesses” at www.Michigan.gov/sos or you may call the Bureau of Driver and Vehicle Programs at 1-888-SOS-MICH (1-888-767-6424) and request a dealer license application packet.