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.
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 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your insurance company is legally required to send an SR-26 form to the state to let them know that your policy is no longer active.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.
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 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’s the difference between SR22 and regular insurance?
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 if I need an SR22 in one state but live in another state?
Do I need 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 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.
Best Places to See Near Pierce County
Just the Facts about Pierce County
Pierce County is a county in the U.S. state of Washington. As of the 2010 Census, the population was 795,225, making it the second-most populous county in Washington behind King County, and the 61st-most populous in the United States. The county seat and largest city is Tacoma. Formed out of Thurston County upon December 22, 1852, by the legislature of Oregon Territory, it was named for U.S. President Franklin Pierce. Pierce County is in the Seattle metropolitan area (formally the Seattle-Tacoma-Bellevue, WA metropolitan statistical area).
Pierce County is house to Mount Rainier, the tallest mountain and a volcano in the Cascade Range. Its most recent recorded carbuncle was in the company of 1820 and 1854. There is no imminent risk of eruption, but geologists expect that the volcano will erupt again. If this should happen, parts of Pierce County and the Puyallup Valley would be at risk from lahars, lava, or pyroclastic flows. The Mount Rainier Volcano Lahar Warning System was standard in 1998 to incite in the evacuation of the Puyallup River valley in warfare of eruption.
According to the U.S. Census Bureau, the county has a total Place of 1,806 square miles (4,680 km2), of which 1,670 square miles (4,300 km2) is land and 137 square miles (350 km2) (7.6%) is water. The highest natural point in Washington, Mount Rainier at 14,410 feet (4,392 m), is located in Pierce County.
Pierce County then contains the Clearwater Wilderness area.
As of the census of 2000, there were 700,820 people, 260,800 households, and 180,212 families residing in the county. The population density was 417 people per square mile (161/km2). There were 277,060 housing units at an average density of 165 per square mile (64/km2). The racial makeup of the county was 78.39% White, 6.95% Black or African American, 1.42% Native American, 5.08% Asian, 0.85% Pacific Islander, 2.20% from further races, and 5.11% from two or more races. 5.51% of the population were Hispanic or Latino of any race. 16.1% were of German, 8.6% Irish, 8.2% English, 6.3% American, and 6.2% Norwegian ancestry.
Source: Pierce County, Washington in Wikipedia