There are 3 ways to get Washington SR22 Insurance if your drivers license has been suspended.  The Owner Operator policy, The Broadform Named Driver Policy, and The Named Non Owner Policy. Read on to find out which sr22 policy may be right for you.

Owner Operator Policy

The Owner Operator Policy insures you on all vehicles and drivers that you list on the policy. As you can list more than 1 vehicle and more than 1 driver these are the most popular of all the sr22 insurance policies. There are multiple discounts that can be applied to these policies. Discounts such as Multi Car, Prior Insurance, Home Auto and Life and Accident Free discounts

Broadform Named Driver Policy

The Broadform Named Driver Policy will cover you on all private passenger vehicles you own for liability coverage. If you drive a vehicle you do not own it covers you as well but coverage is secondary over any other insurance. This policy will not cover any Physical Damage Coverage on the vehicle your driving. As the policy is a “Named Driver” no other drivers will be extended coverage. This is a great type of policy if you have more than 1 car and need only liability coverage and there are no other drivers.

Named Non Owner Policy

The Named Non Owner Policy which will not insure you on any car you or a spouse own. Will not insure you on a vehicle provided for your dailey use or one that is registered to your address. If driving some one elses vehicle the coverage is secondary over any other insurance in force. These types of policies are restrictive for coverage but premiums can be 50% less than other policies.  

Washington Department of Licensing SR22 Insurance Requirements

No matter which sr22 insurance policy you choose the Washington Department of Licensing will accept the sr22 certificate. The purchase of the state minimum of $25,000/$50,000 in bodily injury liability and $10,000 in property damage is required to satisfy the sr22 requirement.

The SR22 obligates the insurance company to notify Washington D.O.L. that the policy has started. After notification you can become eligible to reinstate your drivers license.  The SR22 also obligates the insurance  company to notify Washington D.O.L. if the policy cancels or lapses and if the sr22 insurance is still required they will resuspend the license.

Time requirement to carry a sr22 is 3 years from the date that Washington D.O.L. determines you are eligible to receive your drivers license back. If the policy cancels or lapses the D.O.L. will suspend youe license again and impose a reinstatement fee and new sr22 to reactivate the license.

Reasons for needing a Washington sr22 insurance policy can vary and include the following. Driving under the influence of alcohol or drugs, driving uninsured, reckless or negligent driving, or too many minor violations in a short period of time.

Get Your Washington Drivers License! 

Has your Washington drivers license been suspended? Our online sr22 insurance service provides  a fast and simple solution for you to obtain a sr22 filing in 15 minutes. With multiple Washington sr22 insurance companies at our disposal we shop to find you the best possible SR22 rate.

Important Links For Washington SR22 Insurance