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 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 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 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.
What’s the difference between 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.
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.
What if I need an SR22 in one state but live in another state?
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.
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Just the Facts about Whidbey Island
Whidbey Island (historical spellings Whidby, Whitbey, or Whitby) is the largest of the islands composing Island County, Washington, in the United States. (The supplementary large island is Camano Island, east of Whidbey.) Whidbey is roughly 30 miles (48 km) north of Seattle, and lies together with the Olympic Peninsula and the I-5 corridor of western Washington. The island forms the northern boundary of Puget Sound. It is house to Naval Air Station Whidbey Island.
According to the 2000 census, Whidbey Island was house to 67,000 residents considering an estimated 29,000 of those flourishing in rural locations. This increased slightly to 69,480 residents as of the 2010 census.
Whidbey Island is nearly 55 miles (89 km) long (if measured along roads traveled from the extreme north to extreme south), or more or less 37 miles (60 km) when measured along a straight descent from north to south, and 1.5 to 10 miles (2.4 to 16.1 km) wide, with a total land Place of 168.67 square miles (436.9 km2), making it the 40th largest island in the United States. It is ranked as the fourth longest and fourth largest island in the contiguous United States, behind Long Island, New York; Padre Island, Texas (the world’s longest barrier island); and Isle Royale, Michigan. In the give leave to enter of Washington, it is the largest island, followed by Orcas Island.
Whidbey Island was inhabited by members of the Lower Skagit, Swinomish, Suquamish, Snohomish and other Native American tribes. The Salishan proclaim for the island was Tscha-kole-chy. These were peaceful groups who lived off the sea and land, with fishing, harvesting nuts, berries and roots, which they preserved higher than the winter.
The first known European sighting of Whidbey Island was during the 1790 Spanish expedition of Manuel Quimper and Gonzalo López de Haro on the Princesa Real.
Source: Whidbey Island, Washington in Wikipedia