Best SR-22 Insurance
Owner & Non-Owner SR-22s
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.
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 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.
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your insurance company is legally required to send an SR-26 form to the state to let them know that your policy is no longer active.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.
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.
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?
Do I need SR22 and regular insurance?
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.
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’s the difference between SR22 and regular insurance?
Top Places to See Around Orchards
Just the Facts about Orchards
Orchards is a census-designated place (CDP) in Clark County, Washington, United States. The population was 19,556 at the 2010 census.
According to one account, in 1846 an employee of the Hudson’s Bay Company named Dugald McTavish surveyed land close the fur trading publicize Fort Vancouver. McTavish described four plains in the area of thick woods. Officials at the trading publish numbered the plains, and for that reason the area was originally known as Fourth Plain. Wanting a more unique name, residents voted in 1904 to amend the read out to Orchards, after the many fruit trees in the area.
Orchards is located in southern Clark County at 45°41′2″N 122°31′45″W / 45.68389°N 122.52917°W (45.683873, -122.529267). It is bordered to the northeast by Hockinson, to the north by Brush Prairie, to the west by Five Corners, and to the south by the city limits of Vancouver. The neighborhood of Sifton is in the southern share of the CDP.
According to the United States Census Bureau, the Orchards CDP has a total area of 5.4 square miles (14.0 km2), all of it land.
As of the census of 2000, there were 17,852 people, 5,918 households, and 4,704 families residing in the CDP. The population density was 2,601.4 people per square mile (1,004.8/km2). There were 6,175 housing units at an average density of 899.8/sq mi (347.5/km2). The racial makeup of the CDP was 87.39% White, 1.75% African American, 0.88% Native American, 4.11% Asian, 0.59% Pacific Islander, 1.84% from new races, and 3.44% from two or more races. Hispanic or Latino of any race were 4.53% of the population. 19.9% were of German, 9.3% Irish, 8.8% American and 6.6% English ancestry according to Census 2000.
Source: Orchards, Washington in Wikipedia