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.

A: Your Seattle non owner SR22 policy is costing you because it’s missing a pretty big puzzle piece which car insurance companies require in order to put together the best picture of what your rates should be–a car. Even if you drive the same car all the time with your non owner policy, it can’t be factored into your insurance policy, so your company has to rate your policy as if you were driving a riskier car because they can’t know what car it is you’re using.

You can save money on your Seattle non owner SR22 premium by getting discounts. Many of the available discounts require cars, but there are those which don’t. You could try getting all of your insurance policies on a multi line with one company, for example, or you could take a few classes in defensive driving. You could take in your transcript if you’re a student, a degree if you’re in engineer, or you could join a car club or a teacher’s union in order to get a discount. Get a list of discounts from your car insurance company and circle the ones which would apply to you, and then ask the company to apply them.

A: Saving money on a non owner Spokane SR22 car insurance policy is going to be harder than saving it on another policy simply because, without a car to take into account, car insurance companies are going to assume that the vehicles you’re driving are riskier than average. I wouldn’t be financially viable for them to assume otherwise.

If you do intend on saving money on your Spokane SR2 for non owner drivers, here are many discounts which do not have to do with cars which you may be able to get. For one, you can get discounts which involving taking driving classes, or you can get student discounts for any school going people on your policy, senior discounts for the older drivers. If you are a teacher, you can join a union for a discount, or get a discount from a car group you join.

If you end up buying a car for yourself, you will have more discounts available, but you will have to let go of your Spokane SR22 for non owner drivers and get a regular car insurance policy.