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.
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.
What’s the difference between SR22 and regular insurance?
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?
What if I need an SR22 in one state but live in another state?
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.
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.
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 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.
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 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 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.
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Just the Facts about Granite Falls
Granite Falls is a city in Snohomish County, Washington, United States. It is located between the Pilchuck and Stillaguamish rivers in the western foothills of the Cascade Range, northeast of Lake Stevens and Marysville. The city is named for a waterfall north of downtown on the Stillagumish River, also accessible via the Mountain Loop Highway. It had a population of 3,364 at the 2010 census.
The site of Granite Falls was originally a portage for local Coast Salish tribes prior to the initiation of American settlers. The treaty was founded in 1884 and prospered after the discovery of gold and silver in the Monte Cristo mines located east of Granite Falls on the Everett and Monte Cristo Railway. Granite Falls was platted in 1891 and incorporated as a fourth-class town on November 8, 1903.
The Pilchuck River and Upper Stillaguamish basin was historically inhabited by the Skykomish people, who used the modern-day site of Granite Falls as a portage along with supplementary Coast Salish tribes. Several Skykomish archaeological sites were discovered in the 1970s amid modern-day Granite Falls and Lochsloy, with higher than 700 artifacts recovered from unconventional excavation.
The first long-lasting European settler was Joseph Sous Enas, who staked a homestead affirmation in 1884 upon land south of the gift city. The townsite was platted in 1891, following the construction of a declare office and general store. The Everett and Monte Cristo Railway reached Granite Falls upon October 16, 1892, building a station for the town on the route surrounded by the mining Place of Monte Cristo (now a ghost town) and the county seat of Everett. The city was officially incorporated upon December 21, 1903. He was speedily followed by extra homesteaders, benefiting from “the enormous Burn”, a forest fire that cleared the heavily forested house and made it easier for settlers to stake claims.
By 1896, there were enough residents to petition the permit of a assistant professor district (Granite Falls District #1)
Source: Granite Falls, Washington in Wikipedia