What is broad form SR22 insurance?

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What is broad form SR22 insurance?

Get low-cost broad form SR22 insurance quotes in 8 states.

In several states you can get a very inexpensive form of SR22 insurance called broad form SR22 insurance. Broad form SR22 insurance is a means to have your license reinstated. It can be purchased  if you don’t own a vehicle, or if you own one or more vehicles. Although it is very low cost, it comes with strict limitations of coverage that need to be explained to you and fully understood.

In some states, broad form SR22 insurance is a low-cost, non-owner auto liability insurance option for license reinstatement. In most cases, people file a non owner SR22 insurance if they don’t own a vehicle, and SR22 insurance if they own a car. However, this type of policy is also an option if you own one or more vehicles.

Broad form insurance is generally more expensive than non-owner SR22 insurance but less expensive than standard auto insurance. This type of insurance has a very minimal scope of coverage. As such, it is not suggested for inexperienced teen drivers and is not adequate coverage for expensive or brand-new vehicles. It is more suited for older cars or cars that have been paid off and don’t require full coverage insurance.

Broad form coverage facts:

  • You can purchase broad form insurance whether you own a vehicle or not.
  • Broad form insurance is liability-only coverage; it does not include comprehensive or collision coverage.
  • Broad form insurance covers ONLY the policyholder/driver when driving any vehicles you own, regardless of year, make, or model.
  • There is no coverage whatsoever if someone other than you drives your vehicle. You will be legally and financially responsible if someone borrows your car and causes an accident.
  • Coverage does not apply to any damage to your vehicle in an at-fault accident.
  • If you purchase a vehicle, it automatically covers you, the policyholder, without calling your insurance agent to add the car to your policy.

You can add an SR22 filing to a broad form vehicle insurance policy as a rider, allowing your driver’s license reinstatement. It is a monitoring device, the same as a non-owner SR22 policy. You must maintain this insurance for three years in most instances. Your state Department of Motor Vehicles or the court determines the actual length of time. A broad form policy covers only you, the policyholder, when driving a covered vehicle. It does not provide protection of any kind if another person drives your car.

Reasons people require broad form SR22 insurance

  • DUI or DWI offense
  • Refusal to submit a DUI breath test
  • Reckless driving
  • Uninsured accidents
  • Excessive points against your driving record
  • Child support or neglect cases
  • Legal judgments

Only a few states have broad form insurance, with or without an SR22 endorsement. Not many insurance companies offer it, but UltraCar Insurance can offer these policies in the following states:

To find out if broad form insurance is right for you, contact an UltraCar Insurance agent. For affordable broad form SR22 insurance quotes, complete our online quote form or call 888-551-1991 today. We maximize your savings by comparing the rates of top insurance companies and never charge a filing fee!

This article was last updated on October 8th, 2023 by