What is an SR22 insurance policy?
Although referred to as “SR-22 insurance,” An SR-22 is not actually insurance but instead is simply an endorsement to regular insurance policy. This endorsement is filed with the state as proof that you have insurance. The SR22 notifies the state that you have insurance in force and promises to notify them if your policy cancels.
Why is an SR22 insurance filing required?
- Driving under the influence (DUI) (aka driving while intoxicated (DWI)) or other alcohol related violations
- Serious traffic offense convictions, such as reckless or negligent driving
- Several traffic offenses in a short time period
- Driving with a suspended license
- At-Fault accident while driving without insurance, and even
- Driving without insurance in Oregon (even though you live in Washington)
The SR-22 requirement just means that proof of insurance has to be sent to the state and is one step towards getting your license reinstated and getting you back on the road.
How long is an SR22 insurance form required?
Be sure not to cancel your SR22 before the requirement is lifted since your insurer is required to inform the DOL that you no longer have an SR22 and your license could be suspended or revoked again. A simple call to the DOL is usually all that is required to find out how long you will need to carry the SR22.
Where do you get SR22 insurance?
Some preferred insurance carriers, if you inform them you need an SR22, might at renewal raise your rates significantly or cancel your policy. If you don’t want to jeopardize your existing coverage, talk to us about a Broad Form SR22 policy. It can be very inexpensive and should allow you to keep your preferred rates.
What if I need an SR22 in one state but live in another state?
How much does SR22 insurance cost a month?
This is why it is important to work with an independent agency like Mid-Columbia Insurance that partners with multiple companies to be sure you are getting more than one option to choose from.
What is Non-Owner SR22 insurance?
In Washington state we have a broad form policy that is a better option for those needing a stand-alone SR22 policy than a non-owned policy because non-owned policies don’t cover many borrowed vehicles but a broad form policy will. So, if you don’t want to lose your primary insurance provider due to your SR22 requirement, buying a separate broad form SR22 policy to handle the SR22 requirement may be a smart move.
What’s the difference between SR22 and regular insurance?
I don’t own a car, do I still need to file an SR22?
If you don’t own a car and need an SR22, no problem. Washington drivers are eligible for a Broad Form insurance policy that provides coverage for any car you drive for personal use — owned or non-owned. We are the Broad Form SR22 Insurance experts.
What happens if my SR22 insurance cancels?
When your SR22 policy cancels or lapses, your insurance company is legally required to send an SR-26 form to the state to let them know that your policy is no longer active. If not handled promptly, the state will re-suspend your driver’s license and you will need to jump through all the hoops and pay all the fees required to reinstate your license once again.
What happens if I am late paying my SR22 insurance?
Late payment frustrations can be huge. Multiple calls to the DOL and your insurance company, proving to the DOL you have coverage, and trying to get avoidable DOL fees removed just because you got behind on your car insurance premiums.
Can I get SR22 insurance without a car?
A broad form policy is a smart choice for someone who does not own a car but needs an SR22 and wants to be able to drive. Once you get a car you can either get a policy on that car or keep your broad form policy since it covers owned and non-owned vehicles.
Do I need SR22 and regular insurance?
Top Things to Do Near Camano
Just the Facts about Camano
Camano Island is a large island in Possession Sound, a section of Puget Sound. It is portion of Island County, Washington, and is located surrounded by Whidbey Island and the mainland (Snohomish County) by the Saratoga Passage to the west and Port Susan and Davis Slough to the east. The island has one road attachment to the mainland, via State Route 532 more than the Camano Gateway Bridge at the northeast terminate of the island, connecting to the city of Stanwood.
The island has a total area of 39.77 square miles (103.0 km2), making it one of the largest in the let in of Washington. It has a year-round population of 15,661 as of the 2010 census. The population peaks at over 17,000 during the summer months due to part-time residents with trip homes on the island. It is an unincorporated area with several little communities and shares civic facilities with straightforward Stanwood, including its intellectual district, post office, and emergency services.
Camano Island is house to two welcome parks, Cama Beach and Camano Island State Park, and several county and local parks.
Camano Island was named in 1790 for the Spanish fortune-hunter Jacinto Caamaño by compatriot Francisco de Eliza, who mapped Admiralty Inlet. The native name of the island was Kal-lut-chin which in the language of the original Snohomish tribe means “land jutting into a bay”. They used the island as a base during the fishing and shellfish increase expeditions. Charles Wilkes, during the Wilkes Expedition of 1838–1842, named it MacDonough Island in rave review of Thomas MacDonough for his victory of the Battle of Lake Champlain during the War of 1812. Following this theme, Wilkes named the body of water along with Camano and Whidbey Island after MacDonough’s flagship the Saratoga. When Henry Kellett reorganized the ascribed British Admiralty charts in 1847, he removed Wilkes’ name MacDonough and bestowed the name Camano, which the Spanish had originally supreme to Admiralty Inlet in 1790. Wilkes’ name Saratoga Passage was retained.
Jacinto Caamaño explored much of the Pacific Northwest going as far away north as what is now Alaska for the Spanish. He began his expedition far and wide to the south in San Blas, Mexico. In complement to its Snohomish read out the island has next been known as Macdonough Island named for Thomas Macdonough a U.S. Navy official during the War of 1812 and as Perry Island after an 1855 concurrence between local Native Americans and Washington Territory official Isaac Stevens. The first Euro-American settlers on the island arrived at the mature of the signing of the treaty. The island was afterward called Crow Island during the prematurely 20th century. The ahead of its time translation of Camano into the Lushootseed language, used by Coast Salish tribes, is ʔəw̓alus.
Source: Camano, Washington in Wikipedia