Yes, instead of insuring a specific car, driver's license insurance insures you to drive almost any car. Broad Form Insurance is the official name for a driver's license insurance policy.
It covers you to drive any passenger vehicle for personal use, whether you own it or someone else does. For example, if you borrow an uninsured car from a friend, you would be covered. The person who lent you their vehicle, though, is not covered by your broad form insurance policy.
So, regardless of whether you own it or not, you can insure your driver's license and be covered to drive any vehicle!
If you drive a car in Washington, you must have car insurance. Either the car owner must have insurance, or you can protect yourself by insuring your license (also known as broadform insurance).
It is possible to avoid receiving unnecessary tickets for driving without insurance. If you're thinking about driving without insurance, reconsider. Driving without insurance in Washington is punishable by a $550 fine. Today is the best time to get legal.
The insurance requirement in Washington state can be met by Broadform Named Operator Insurance. The insurance policy covers bodily injury and property damage that you cause while driving a car that you own or don't own.
You can save money every month by shopping for the best broad form car insurance coverage. Furthermore, selecting the right auto insurance will make life much easier following an auto accident. Mid-Columbia Insurance can assist you in locating the most cost-effective insurance companies.
It is very affordable to get a broad form policy with just the minimum coverage that your state requires. Liability insurance covers people who are injured while you are driving and will also cover damages that you cause to other people's property.
You can also purchase optional coverages such as uninsured motorist coverage (UM) and/or personal injury protection (PIP). Unlike liability insurance, which covers damage done to others, UM and PIP protect you, your passengers, and your car. If the other driver hits you and has no insurance, UM will pay your and your passengers' medical bills. PIP helps pay for medical bills up to $10,000 (or more) depending on the level of coverage you chose.
Your age, your driving record, your city, and your credit score are all factors that will affect the price you pay for your insurance. You may also get a discount for having many years of good driving behavior and paying your bills on time.
Broad form insurance is only valid while you are driving the vehicle. That is, if you are the person on the insurance policy and you are the driver.
The other difference is that you no longer have to keep the insurance company updated on the cars that you want to be covered.
Broad form insurance is really just an endorsement that is added to a regular car insurance policy that excludes any driver except yourself and does not require the car to be listed on the policy:
Yes! Having a BroadForm SR22 policy is perfect if you need to file an SR-22 even if your vehicles are already insured elsewhere.
Broad form SR-22 insurance fulfills the minimum liability requirements for auto insurance in Washington so you can get your license reinstated.
If you already have car insurance with a preferred insurance company, you can get SR22 on your driver's license and keep your current preferred rate insurance as it is.
There are some limitations to a Broad Form policy that should be considered. There is no coverage when:
Comprehensive and collision coverage, also known as "Full Coverage," are not available.
Broad Form Insurance is a low-cost vehicle insurance option for Washington drivers.
Mid-Columbia Insurance is the finest place to go for BroadForm insurance guidance. We compare quotes from the top-rated auto insurance companies to see who offers the best deal. Allow us to handle all of the legwork for you if you need to lower your insurance rate. We meticulously compare each broad form insurance quotes so you can sit back and relax while purchasing affordable broad form auto insurance. Allow us to obtain real insurance quotes from the top broad form car insurance companies so that you can select a coverage that fits your budget.