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 if I need an SR22 in one state but live in another state?
Do I need 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’s the difference between SR22 and regular insurance?
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your insurance company is legally required to send an SR-26 form to the state to let them know that your policy is no longer active.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.
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 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.
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.
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 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.
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.
Top Places to Visit By Sara
Just the Facts about Sara
Ridgefield is a city in northern Clark County, Washington, in the United States. The population was 4,763 at the 2010 census.
Located within the Portland metropolitan area, Ridgefield is notable for the significant Native American chronicles and attachment to the Lewis and Clark Expedition. It is then the headquarters of the Ridgefield National Wildlife Refuge, a primary superiority for migrating waterfowl on the Pacific Flyway, and the house of the Ridgefield High School “Spudders” (reflecting the area’s potato-farming heritage).
The Place has important ties to the Lewis and Clark Expedition of 1804–1806, being near to the Chinookan town of Cathlapotle, then a deal of 700–800 people, with at least 14 substantial plank houses. The community’s ties to the Chinookan people was commemorated by the construction of a replica of a Cathlapotle plank home at the easy to complete to Ridgefield National Wildlife Refuge, which was dedicated March 29, 2005.
The town was formerly known as Union Ridge, named by the many Union veterans in the middle of the first large response of settlers after the Civil War and was renamed Ridgefield in 1890. The town’s native name is preserved in the read out of Union Ridge Elementary School.
Ridgefield was an important trading center as before as the 1860s with its key location close the mouth of the Columbia River, and the city was officially incorporated upon August 26, 1909. U-Haul, an American equipment rental company, had its Begin in Ridgefield in 1945.
According to the United States Census Bureau, the city has a total area of 7.18 square miles (18.60 km2), of which 7.08 square miles (18.34 km2) is home and 0.10 square miles (0.26 km2) is water.
Source: Sara, Washington in Wikipedia