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.
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 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 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.
Do I need SR22 and regular insurance?
What’s the difference between SR22 and regular insurance?
What if I need an SR22 in one state but live in another state?
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.
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your insurance company is legally required to send an SR-26 form to the state to let them know that your policy is no longer active.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.
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 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.
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.
Best Things to Do Around Spokane Valley
Just the Facts about Spokane Valley
Spokane Valley is a city in Spokane County, Washington, United States, and the largest suburb of Spokane. It is located east of Spokane, west of Coeur d’Alene, Idaho and surrounds the city of Millwood upon three sides. The city incorporated as the City of Spokane Valley on March 31, 2003. The Washington State Office of Financial Management estimates the city’s population as 101,060 as of 2019. Spokane Valley is named after the valley of the Spokane River, in which it is located. Before becoming an incorporated city, the area was and still is referred to as “The Valley” by residents of the Spokane–Coeur d’Alene area.
The City of Spokane Valley incorporated upon March 31, 2003,. At its creation, it was the third-largest newly incorporated city in US history (after Centennial, Colorado, which incorporated in 2001; and Miami Gardens, Florida, which incorporated more or less five weeks past Spokane Valley).
The city formed from combining the urbanized unincorporated areas east of Spokane City, including census-designated places (CDPs) of Dishman, Opportunity, Trentwood, Veradale, part of Greenacres, and East Spokane. The new city boundaries did not enhance the incorporated areas such as Millwood and Liberty Lake, nor the protected areas such as the Dishman Hills Natural Area. It was initially delayed by a petition from Spokane, because it included the Yardley industrial area, to which Spokane had already extended utilities, and had plans to annex. Prior to the well-to-do vote May 21, 2002, there had been four bungled attempts to form a city in the Valley. The main arguments for concentration centered roughly increased voice in local governance and the threat of annexation by the City of Spokane. The main arguments against raptness included contentment past Spokane County provided facilities and the threat of increased taxes and bureaucracy by the further city. Both sides claimed their opponents arguments were entirely false scare tactics.
Spokane Valley lies along both banks of the Spokane River as it flows with Idaho and the City of Spokane. Most of the city lies to the south of the river as the Selkirk Mountains rise rapidly to the north of the river in most places. To the south of the valley rise Mica Peak and Krell Hill, the southernmost depth of the Selkirks.
Shelley Lake is a small lake located agreed in city limits, fed by the Saltese Creek.
Source: Spokane Valley, Washington in Wikipedia