March 3, 2024

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How Long Do You Need Sr22 Insurance In Washington State?

4 min read
As a professional writer, I understand the importance of providing reliable information to those who...
How Long Do You Need Sr22 Insurance In Washington State?
How Long Do You Need Sr22 Insurance In Washington State?

As a professional writer, I understand the importance of providing reliable information to those who need it. If you’re reading this article, you’re likely wondering how long you need to have SR22 insurance in Washington State. This guide will provide you with all the information you need to know.

Main Content

If you have been convicted of certain driving offenses, the state of Washington may require you to have SR22 insurance. SR22 insurance is a type of high-risk auto insurance that verifies to the state that you are carrying the minimum amount of liability insurance required by law. This type of insurance is typically required for a period of three years from the date of your offense.

However, the length of time you need to have SR22 insurance can vary depending on the offense. For example, if you were convicted of driving under the influence (DUI), you may need to have SR22 insurance for five years. If you were convicted of reckless driving, you may only need to have SR22 insurance for three years.

It’s important to note that the length of time you need to have SR22 insurance is determined by the court system, not the insurance company. Your insurance company will file the necessary paperwork with the state to verify that you have the required coverage, but they do not have any say in how long you need to carry the insurance.

If you fail to carry SR22 insurance for the required length of time, your license may be suspended and you may be required to start the process over again. This can be a costly and time-consuming process, so it’s important to make sure you have the necessary coverage for as long as you need it.

FAQ

  • What if I move to a different state?

    If you move to a different state, you will need to check with that state’s DMV to see if they require SR22 insurance. If they do, you will need to purchase a policy in that state and have your insurance company file the necessary paperwork.

  • Can I cancel my SR22 insurance early?

    In most cases, you cannot cancel your SR22 insurance early. You are required to carry the insurance for the entire length of time determined by the court system.

  • Will SR22 insurance increase my premiums?

    Yes, SR22 insurance is typically more expensive than regular auto insurance. However, the length of time you need to carry the insurance is typically shorter than the length of time you would need to carry a suspended license, which can save you money in the long run.

  • What if I don’t own a car?

    If you don’t own a car but still need to carry SR22 insurance, you can purchase a non-owner policy. This type of policy provides liability coverage when you are driving someone else’s car.

  • Can I switch insurance companies while I have SR22 insurance?

    Yes, you can switch insurance companies while you have SR22 insurance. However, you will need to make sure your new insurance company is willing to file the necessary paperwork with the state.

  • What happens if I let my SR22 insurance lapse?

    If you let your SR22 insurance lapse or cancel your policy early, your insurance company is required to notify the state. Your license may be suspended and you may be required to start the process over again.

  • How much does SR22 insurance cost?

    The cost of SR22 insurance can vary depending on several factors, including your driving record, the type of offense you were convicted of, and the insurance company you choose. However, it’s typically more expensive than regular auto insurance.

  • Can I get SR22 insurance if I don’t have a valid license?

    No, you cannot get SR22 insurance if you don’t have a valid license. You must have a valid license in order to purchase auto insurance, including SR22 insurance.

Pros

The main advantage of SR22 insurance is that it allows you to legally drive after certain driving offenses that may have resulted in a suspended license. It also verifies to the state that you are carrying the minimum amount of liability insurance required by law, which can protect you financially in the event of an accident.

Tips

  • Shop around for the best rates on SR22 insurance.
  • Make sure your insurance company is willing to file the necessary paperwork with the state.
  • Don’t let your SR22 insurance lapse or cancel your policy early.
  • Consider a non-owner policy if you don’t own a car.
  • Drive safely and responsibly to avoid future offenses that may require SR22 insurance.

Summary

If you have been convicted of certain driving offenses in Washington State, you may be required to carry SR22 insurance for a period of time determined by the court system. The length of time you need to carry SR22 insurance can vary depending on the offense, but it is typically between three and five years. If you fail to carry SR22 insurance for the required length of time, your license may be suspended and you may be required to start the process over again. Shop around for the best rates, make sure your insurance company is willing to file the necessary paperwork, and drive safely to avoid future offenses.

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