What’s the difference between SR22 and regular insurance?
Do I need SR22 and regular insurance?
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.
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 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 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.
What if I need an SR22 in one state but live in another state?
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.
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.
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 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.
Best Things to See By East Wenatchee
Just the Facts about East Wenatchee
East Wenatchee is a city in Douglas County, Washington, United States. The population at the 2010 census was 13,190, a 129.1% increase upon the 2000 census. As of 2019, the Office of Financial Management estimates that the current population was 14,219.
On November 10, 2002, East Wenatchee was designated a principal city of the Wenatchee−East Wenatchee Metropolitan Statistical Area by the Office of Management and Budget.
At the twist of the 20th Century irrigation projects, including the Columbia Basin Project east of the region, fostered the increase of intensive agriculture in the shrub-steppe indigenous to the region. Fruit orchards become one of the area’s leading industries.
In 1908, the first highway bridge to span the Columbia River opened. The privately owned bridge carried people, horses, wagons, and automobiles; it moreover supported two large water pipelines along its sides. It partnered Chelan County upon the Wenatchee shore behind Douglas County on East Wenatchee shore. The bridge opened East Wenatchee and the get off of Douglas County to apple orchard development. Still standing today, the bridge is a 1,060-foot (320 m) pin-connected steel cantilever bridge and cost $177,000 to build. It like carried Sunset Highway (State Highway 2) across the river.
The bridge was the brainchild of W. T. Clark, one of the builders of the Highline Canal, a major irrigation project to water the apple orchards in the valley. It was financed in part by James J. Hill (1838–1916), of the Great Northern Railway (which arrived in Wenatchee in 1892). In its second year of operation the canal answer that owned it settled to Begin charging tolls.
Source: East Wenatchee, Washington in Wikipedia