Sometimes, an Unfortunate Necessity: SR22 Insurance Bellevue and Renton, WA
Every so often someone will need an SR22 filing in Washington, also known as high-risk insurance. The SR22 is a form or certificate that is filed with the state of Washington and guarantees them that you have purchased insurance. If you should let your insurance lapse, cancel or if it is terminated by the insurance company, they would promptly notify the state with a SR26 form that rescinds their SR22 form and that you’re in violation and subject to being arrested if pulled over.
SR22 is a motor vehicle insurance that requires the insurance company to notify the DMV of insurance coverage.
SR22 Insurance in Renton or Bellevue, WA is typically more expensive than standard auto insurance in Renton or Bellevue, WA. With the exception of the SR22 form, there is no difference in the coverages that are available to you. Some insurance companies, however, may refuse to write a policy for someone who needs an SR22 filing. Additionally, your existing insurance company may cancel your insurance if you need an SR22 while you’re insured with them.
An SR22 insurance policy is often required to reinstate driving privileges to drive when they have been suspended or revoked. Often, you will be required to provide proof of the SR22 certificate or form prior to your driver’s license being reinstated. Your agent should provide one, but ensure you ask for a copy for your records as some are held electronically. In most cases, your SR22 Insurance must be carried for a period of 3 years.
The reasons that people get an SR22 vary, but some reasons include:
- Receive a Driving Under the Influence ticket
- Too many speeding tickets
- Reckless Driving conviction
- Too many accidents
For DWI and Refusal convictions, SR-22 Insurance is required for 5 years for the first offense, 10 years for the second offense and twenty years from the date of your third offense. On rare occasions, SR22 Insurance must be purchased for life if the driver:
- Fourth offense for DWI or Refusal convictions
- Unsatisfied Judgment
It is important to understand that receiving an SR22 is not the end of the world! Eastside Insurance Services in Renton or Bellevue will make the process easy and have companies that will file directly with the state. You can even often leave our offices directly with an SR22 form.
“But I don’t even own a car! Why do I need an SR22?”
You do not need to own a vehicle to purchase SR22 Insurance. This is referred to as non-owners SR22 and you should notify your insurance agent of this. An SR22 does not cover a vehicle, but is a form for a driver who holds a driver’s license. Each state carriers different laws, so be sure to talk to your Eastside Insurance agent today about what you need to do if you need an SR22 filing in Bellevue or Renton, WA.