What is Broad Form SR22 insurance?

In some states, Broad Form SR22 insurance is a low-cost, non-owner auto insurance option for license reinstatement. In most cases, people file a non-owner SR22 insurance certificate if they don’t own a car and an SR22 insurance certificate if they do. This type of policy is also an option if you want to insure multiple vehicles.

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

Broad Form coverage facts

• You can purchase this insurance whether you own one or more vehicles or are a non-owner.
• It provides 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 cover 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 endorse an SR22 filing to a Broad Form vehicle insurance policy, allowing your driver’s license reinstatement. The SR22 filing is a monitoring device to guarantee compliance with minimum auto liability insurance requirements. In most instances, you must maintain this insurance for three years. 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 coverage 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:

• Colorado
• Idaho
• Ohio
• Washington

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 us today. We maximize your savings by comparing the rates of top insurance companies and never charge a filing fee!