SR22 Insurance In Washington

February 17, 2009 by visitor · Leave a Comment
Filed under: Life insurance leads 

Reader’s Question:

My friend does not have a vehicle but how on earth is he required to get SR22 insurance in Washington? This is very confusing! From what I know, you are only required to get SR22 insurance if you have your own vehicle.

Garth

East Seattle, WA

Well clearly you are wrong Garth. SR22 insurance in Washington is NOT required only for drivers who have their own vehicles, it can also be required to drivers who do not own vehicles, that’s why there’s this thing that you call non-owner SR22 insurance.

There are two ways that SR22 insurance requirement in the state of Washington can be met and that would be either with a vehicle or without a vehicle.

From what I know, non-owner SR22 insurance in Washington will reinstate a license that is suspended or revoked if the driver does not own a vehicle has been involved in an accident or has committed some serious traffic offense. So for that driver to be able to drive legally again, he needs to get non owner SR22 insurance.

An SR22 insurance is simply an insurance form or certificate that proves that your friend has an existing car insurance policy that meets the required minimum limits in the state of Washington. This includes:

  • $25,000 for bodily injury for every person for every accident
  • $50,000 for two or more persons involved in every accident
  • $10,000 for property damage for every accident

You failed to mention though your friend’s traffic violation. But usually a person is required to get non owner SR22 insurance for violations like DUI conviction, driving without auto insurance, and reckless driving. If I’m not mistaken, non owner SR22 insurance needs to be maintained for a period of three years.

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