What it is
Non-owner car insurance gives you liability coverage when you drive a car you don't own, such as a friend's car or a rental. With an SR-22 attached, it also proves to the Washington DOL that you're insured, so you can get or keep your license.
What a broadform policy is
A broadform policy insures you as the driver, not a specific car. It typically covers your liability in any car you drive, including one you own, but it doesn't cover anyone else driving your car. We write both, and the SR-22 can be filed on either.
Non-owner, broadform or owner policy
| Non-owner | Broadform | Owner policy | |
|---|---|---|---|
| Who it insures | You, in cars you don't own | You, in any car you drive | Your car and the drivers listed on it |
| A car you own | Not covered | Liability when you drive it | Covered |
| Others driving your car | Not covered | Not covered | Covered, per the policy |
| Damage to the car you drive | Not covered | Usually not covered | With collision coverage |
| Can carry an SR-22 | Yes | Yes | Yes |
| Price | Usually the lowest | Usually low | Usually the highest |
Who it's for
- Drivers who need an SR-22 but don't have a car right now.
- People who borrow cars occasionally.
- Drivers getting their license back before they buy a car.
What it covers, and what it doesn't
It pays for injuries and damage you cause to other people while driving a borrowed car. It doesn't cover damage to the car you're driving, and it usually doesn't cover a car you own or one that's available for your regular use, including cars in your household.
Have this ready
- Your driver's license number, or your last license if it's suspended.
- Your DOL letter, which says you need an SR-22 and for how long.
- The date and type of the violation behind it.
- Whether anyone you live with owns a car you could drive.
How long you keep it
Usually three years in Washington. If the policy lapses, the insurer notifies the DOL. We file the SR-22 within 24 hours of the policy starting.