WASHINGTON SR22 INSURANCE

• What is Washington SR-22 Insurance?
• Who needs SR-22 Insurance in Washington?
• What is considered Driving Under the Influence (DUI) in Washington?
• How Does a Washington SR-22 Insurance Form Cost Extra?
• What is the difference between SR22 Insurance and Regular Car Insurance?
• Minimum Coverage Required for a Washington SR22 Insurance Policy

What is Washington SR-22 Insurance?

The SR-22 form is an add-on to your standard car insurance policy. Although it isn’t a different type of insurance from traditional car insurance, it’s often called SR22 insurance because it affects your car insurance rates. In Washington, SR22 insurance after a DUI conviction costs an average of 90 percent more car insurance for a driver with a clean record.

You’re typically required to have SR-22 insurance in Washington for a minimum of three years, meaning it could possibly be longer depending on your specific infraction. Throughout your filing period, you must maintain your SR22 insurance without a lapse in coverage. If your SR-22 insurance is canceled you may have to restart the process all over again and your license could be suspended.

Who needs SR-22 Insurance in Washington?

The reasons that people get an SR-22 vary, but some reasons include:

• Failure to have an active liability insurance policy.
• A conviction for driving without liability insurance.
• Driving uninsured and being in an auto accident.
• DUI, DWI, or other major alcohol or drug-related conviction.
• A serious moving violation like reckless driving.
• To reinstate a license after a suspension.

Except for the SR-22 form, there is no difference in the coverages that are available to you. However, some insurance companies may refuse to write a policy for someone who needs an SR-22 filing. Additionally, your existing insurance company may cancel your insurance if you need an SR-22 while you are insured with them.

What is considered Driving Under the Influence (DUI) in Washington?

Under the state of WA driving laws, it is illegal for any licensed driver to operate a motor vehicle with a BAC limit above the state limits as outlined below.

• Adult drivers with a BAC equal to or over = 0.08%
• Minor drivers with a BAC equal to or over = 0.02%
• Commercial drivers with a BAC equal to or over = 0.04%

Driving under the influence (DUI) includes all chemicals that are inhaled or ingested for the purpose of getting high, intoxicated or wasted. Anything that has mind altering or hallucination effects are defined as a drug. When a person with a valid driver’s license engages in this activity, they will end up with a suspended license and fines to reinstate their license.

How Does a Washington SR-22 Insurance Form Cost Extra?

Once you’ve purchased or renewed a policy, most providers will file an SR-22 for a fee of $20 to $50. But it’s not the fee that’s most expensive when you file for an SR-22 — you’ll also typically see higher premiums than you’re used to.

SR-22s are often required after a driving conviction, such as driving without insurance or driving under the influence. After such a conviction, the state and most providers consider you a “high-risk” driver. Car insurance providers typically charge more for high-risk policies.

What is the difference between SR22 Insurance and Regular Car Insurance?

SR22 Insurance is just regular car insurance with a Certificate of Financial Responsibility filing added. So there is really no difference between a regular insurance policy and an SR22 Insurance policy except that the insurance company promises to keep the state informed of the status of your insurance policy.

So, whether you need to insure a car, truck, motorcycle, or no car at all and you need an SR22, you are actually purchasing a regular insurance policy with an SR22 filing attached. Once your SR22 filing is no longer needed, you can have the SR22 removed and continue the same insurance policy.

The SR22 is simply the way the state monitors whether or not you are meeting their requirement that you carry car insurance. So if you allow your insurance policy to cancel or expire, the insurance company notifies the state and the state begins the process of suspending your driver’s license again.

Minimum Coverage Required for a Washington SR22 Insurance Policy

• $25,000 – This is the maximum amount per person paid for bodily injury (“BI”) injuries.
• $50,000 – This is the total amount paid by the policy for all bodily injury to all persons. Therefore if several people are injured, those who file first would receive payment as defined above, and once the total payment was reached, the remaining parties must pursue the policyholder for any sums over these amounts.
• $10,000 – This is the total amount paid for property damage (“PD”).

At SR-22 Insurance, we specialize in providing high-risk drivers for both vehicle owners and non-owners with the necessary SR-22 certificate as well as traditional auto insurance coverage.

Filing for an SR-22 is easy, simply contact us and one of our friendly representatives will reach out to guide you through the process. https://sr22insurance.net/