Washington State SR22

Reader question:

Can you tell me the sort of coverage which will come with my Washington state SR22 auto insurance policy, if I buy just the minimum amount?

Jacob

Glad you asked, Jacob.

Washington state SR22 insurance can be bought with a fairly small amount of coverage, at least compared to a few other states. Since Washington is an at fault car insurance state, all you need to purchase to meet the minimum requirements of the auto insurance laws is liability coverage. Liability coverage includes property and injury liability. The property liability is the coverage for those damages made by the person who is found at fault for the accident (if said person is you), while the injury liability is for the injuries of the driver/passengers of the vehicle found not to be at fault, but not for the drivers or passengers of the at fault vehicle.

In Washington state SR22 policies, you must have the following amounts of each one of these:

• A $50,000 injury liability limit per crash, with $25,000 alotted to each person.
• $10,000 in property damage liability.

Cheers,

Fashun Guadarrama.

Washington SR22 Auto Insurance Rates

Reader question:

What are Washington SR22 rates like these days?

Amber

Thanks for asking, Amber.

WA SR22 rates are pretty median compared to the rest of the states, coming in with the 19th highest rates, followed closely by Florida and Pennsylvania. The average rates for car insurance in Washington are around $803 a year, but of course, SR22 rates will tend to e twice–or in some very bad cases, even three times–that amount.

This isn’t to say that the best SR22 rates are going to be $1600. It’s likely that if you get such a price, then you aren’t looking hard enough. Sure, that may be the average price, but it’s also the average price which is quoted to the average person who does not shop for theit auto insurance online–unlike you.

Such average people pay a lot of money for their laziness–an estimated $400 on average for their premiums. They pay so much for their premiums simply because of the fact that they aren’t shopping around for their auto insurance quotes. When you pull up your SR22 rates online from several different companies, you can see the wide variances and make a better choice than the average Joe.

Cheers,

Fashun Guadarrama.

Washington State SR22 Filing – DUI Insurance

Reader question:

When I get done with my Washington state SR22 filing, will my rates go back to what they were before?

Christa

Great question, Christa.

Well, a lot can change in three years, so I very much doubt that you would bounce completely back to the previous prices you had as soon as your SR22 filing was over. Besides that, you wouldn’t be able to bounce back to anything immediately after your filing ends and you get an unrestricted license, because your drunk driving incident or your accumulated traffic points, or whatever it was that put you on the road to license suspension, is going to stay on your record for a total of five years, meaning that after you finish your SR22 filing you will still have two years to deal with higher rates–they might not be quite so high, but they won’t go completely down.

But this is all the more reason to, even before your SR22 filing ends, be extra watchful of your driving and stay out of trouble on the road. Follow all of the rules, at least to the extent that keeps you flying under the radar, and you will be able to come out of it five years later with several years of an accumulating good driving record, which means you could immediately get a good driver’s discount.

Cheers,

Fashun Guadarrama.

SR22 Auto Insurance Quotes in Washington

Reader question:

I have a policy with SR22 in Washington, and I want to know, is the post-accident procedure any different for SR22 holders? Is there some kind of extra information we need to give?

Marcus

Thanks for asking, Marcus.

No other driver (civilian driver, anyhow) has a right to know about your possession of an SR22 in Washington, and your owning of such should not in any way be involved when you get into a car accident. You just exchange the usual information, such as names, policy numbers, phone numbers, car insurance company names, and so on, so that whoever needs to file a claim with the other’s company can do so, and so that whoever is at fault can get prepared.

In addition to that, whether you have an SR22 in Washington or not, you should also take a couple of other steps after an accident to make sure of the best (or least negative) experience with your claims process. Keep a disposable camera stored in your glove compartment, and when you get in an accident make sure to take pictures of the damage on both cars. This is so that the other driver can’t claim more damage than was actually caused, thus getting you in trouble and in fraud.

You should also look at the witnesses who were around the accident and try to gather their names and phone numbers. In case the fault of the accident is contested, you will be able to refer to them for proof.

Cheers,

fashun Guadarrama.