Washington State SR22 financial responsibility insurance filing. The state of Washington SR22 form requires the insurance company to file the SR22 form as a proof of financial responsibility, stating that his/her auto insurance liability is in effect. The state does not send notifications and it is the responsibility of the driver and the insurance company to submit the form to the state.
The three different types of SR22 forms: 1. The Owner's Certificate covers the financial responsibility for vehicles you do own 2. The Operator's Certificate covers the financial responsibility in the case you do not own a vehicle. 3. The Operators-Owners certificate covers financial responsibility for all the vehicles that you own or do not own.
Who needs to file proof of financial responsibility (SR22)? Anyone who has: - Been convicted of, or forfeited bail for, certain offenses. - Failed to pay judgments. - Driven or owned a vehicle involved in an accident.
How long do I have to provide proof of financial responsibility? Inmost cases, 3 years from the date you're eligible to reinstate you license. You can find out how long you need to have SR22 by following the link fortress.wa.gov/dol/dolprod/dsdreinstatements/
"SR22" What No One Tells You
1. It's not really insurance While many refer to "SR22 insurance" an SR22 is actually just a certificate your auto insurer files with the state who requires it to vouch for you. Basically, it verifies you have the proper coverage. You will only need SR22 if a judge convicted of certain offenses, failed to pay judgments, driven or owned a vehicle involved in an accident not already insured.
2. It's does not cost as much as you think If you are required to carry an SR22, you might be able to just add it to your policy with a small fee. However if you don't have insurance or your current insurance company does not offer an SR22 filing then you will need to get a company that can. Generally a fee of around $25.00 for the filing. Your insurance rate might go up due to the violation or accident that prompted the SR22 You might have to find a company that offers SR22 filings who have higher insurance rates. 3. It won't be forever In most cases, 3 years from the date you're convicted give or take, At that point, call your insurance agent and ask to have the SR22 removed from your policy. Generally three years is also how long it takes to clear your driving record. So, any violations that triggered your needing an SR22 have cleared from your record, too. In the meantime, keep your head up, know we have all been there, and remember that, in time, this will become "that one time when..." kind of story.
If you have questions about SR22 please call (253)446-1300