What is broad form SR22 insurance?

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What is broad form SR22 insurance?

What is broad form SR22 insurance?

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 certain states broad form SR22 insurance is a low cost, non-owner auto liability insurance option for license reinstatement. In most cases non owner SR22 insurance is filed if you don’t own a vehicle, and SR22 insurance is filed if you do own a vehicle. However, broad form SR22 insurance is also an option if you own a vehicle.

Broad form SR22 insurance coverage is generally more expensive than non owner SR22 insurance, but less expensive than standard auto insurance. This is because broad form is a very limited type of insurance coverage. As such, it is not suggested for inexperienced teen drivers or people already classified as high risk drivers. Broad form insurance is not considered 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 SR22 insurance 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 your vehicle is driven by someone other than you. If you let someone borrow your car and they have an accident, you will be held legally and financially responsible.
  • Any damage to your vehicle in an at-fault accident is not covered.
  • If you purchase a vehicle, it covers you, the policyholder, automatically without having to call your insurance agent to add the vehicle to your policy.

An SR22 filing can be added to a broad form vehicle insurance policy as a rider, enabling your driver’s license to be reinstated and serving as a monitoring device – the same as a non owner SR22 policy does. Broad form SR22 insurance must be maintained for a period of three years in most instances. Your state department of motor vehicles or the court determines the actual length of time. A broad form SR22 insurance policy covers only you, the policyholder, when driving any owned vehicle. It does not provide coverage of any kind if another person is driving your vehicle.

Reasons you may need to carry broad form SR22 insurance include:

  • 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

There are only a few states that allow broad form insurance coverage, with or without an SR22 endorsement – and not many insurance companies offer it. UltraCar Insurance offers broad form SR22 insurance in these states:

To find out if broad form insurance is right for you, call to consult with an UltraCar Insurance agent. For a competitive broad form SR22 insurance quote, submit a request now or give us a call today. We maximize your savings by comparing the rates of top insurance companies.

This article was last updated on November 2nd, 2018 by