What’s the difference between SR22 and regular insurance?
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.
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 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.
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 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.
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.
Do I need SR22 and regular insurance?
What if I need an SR22 in one state but live in another state?
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 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.
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.
Top Places to See Near Vashon Heights
Just the Facts about Vashon Heights
Vashon is a census-designated place (CDP) in King County, Washington, United States. It covers an island alternately called Vashon Island or Vashon-Maury Island, the largest island in Puget Sound south of Admiralty Inlet. The population was 10,624 at the 2010 census and the size is 36.9 square miles (95.6 km2).
The island is aligned to West Seattle and the Kitsap Peninsula to the north and Tacoma to the south via the Washington State Ferries system, as with ease as to Downtown Seattle via the King County Water Taxi. The island has resisted the construction of a complete bridge to maintain its relative estrangement and rural character. Vashon Island is as a consequence known for its annual strawberry festival, sheepdog trials, and agriculture.
Vashon Island sits in the midpoint of southern Puget Sound, between Seattle and Tacoma, Washington. The island lies along the 700-mile (1,130 km) fault descent known as the Cascadia Subduction Zone, which last motto a major Break in 1700, but the potential of the zone could cause one of the worst natural disasters in the archives of North America.
Up until the late 1700s, Vashon and Maury Islands were inhabited solely by American Indians, and there is evidence of human activity upon Vashon Island dating assist 10,000 to 12,000 years. Historical data from the era in the same way as the first Native Americans settled Vashon–Maury Island is limited. Some of the Native peoples known to have lived upon Vashon Island were the Marpole culture from virtually 7,000 years ago, the Salish approximately 1,000 years ago, and the S’Homamish starting not quite 500 years ago, the latter of which usual 5 known major village sites. The Tulalip Indians is substitute tribe that populated the villages along the shores of both islands. Fishing was abundant in the Cool saltwater of the central Puget Sound basin, helping Native American tribes to thrive. Moreover, the many waterways and inlets provided easy travel by showing off of canoe.
The first non–American Indian to dissect and the first to chart this island was Captain George Vancouver, during his surveys of the Puget Sound area with the British Royal Navy. The island was named on May 28, 1792, by Vancouver after his buddy James Vashon of the Royal Navy. Starting in 1824, different explorer and settler groups stayed upon Vashon Island.
Source: Vashon Heights, Washington in Wikipedia