Washington Broad Form Insurance is Drivers License Insurance
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Washington Broad Form Insurance is a car insurance policy that covers a single driver to drive most any car and is an inexpensive way to satisfy the Washington state liability insurance requirements to drive legally.
What is Broad Form Auto Insurance?
Broad Form Insurance (aka Drivers license Insurance) insures you to drive almost any car instead of insuring specific cars. It provides coverage for you to drive any owned or non-owned personal-use vehicle that fits within the definitions of the policy. For example, if you were to borrow your friend’s uninsured car, you would be insured while driving.
Many high-risk drivers choose Broad Form Coverage because it is usually less expensive than a standard policy but it is also popular among those who own multiple older cars and don’t allow anyone else to operate them.
This type of policy can also be called broadform insurance, broadband insurance, and, more formally, broad form named operator insurance.
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How Does Broad Form Auto Insurance Work?
A regular car insurance policy covers you when driving the cars specifically listed on the policy. A Broad Form Auto Insurance Policy covers you while driving any private passenger car you own or borrow.
It doesn’t matter if you own 0, 1, or 12 cars. And your monthly premium does not change if you buy another car because vehicles are not listed on the policy.
Standard policies act as secondary insurance when you borrow someone else’s car but only if the borrowed vehicle is not available for your regular use. So, if you borrow a car frequently or it is parked at your address, then your regular car insurance coverage will not transfer to the borrowed car unless that car is listed on your policy. Broad Form Coverage does not have this restriction and is secondary insurance on any car you borrow as well as primary insurance on any car you own.
So, whether you own a car or not, you can insure your license and be insured to drive!
What Does a Broad Form Insurance Policy Cover?
Broad Form Car Insurance provides the following types of coverage while you, the named insured, are driving most any owned or borrowed personal vehicles:
- Bodily injury Liability. Pays others for injuries and lost wages if you cause the accident.
- Property Damage Liability. Covers property damage you are responsible for in an accident.
- Optional: Personal Injury Protection (PIP). Cover you and your passengers for up to $35,000 per person for medical expenses plus other benefits.
- Optional: Uninsured Motorist Coverage. Protects you, your passengers and your vehicle if someone hits you and they do not have insurance.
- Coverage Limits: You can choose from the state minimum liability coverage of 25/50/10 all the way up to 100/300/100 for both liability and Uninsured/Underinsured Motorist coverage
What Doesn’t a Broad Form Insurance Policy Cover?
A Broad Form Car Insurance Policy does have some limitations which need to be considered:
- Additional Drivers. There is no coverage if someone else drives your vehicle. Your policy will not cover any damages they do even if you, as the vehicle owner, are held responsible for the damages.
- You are not covered while driving a motorcycle, motor home, moving van, or motor scooter, or a 1-ton or larger rig.
- Just like a standard insurance policy, you are not covered while using the vehicle for any kind of delivery, business, or commercial use, including Uber, Lyft, DoorDash,
- Physical Damage Coverage for Your Car. Comprehensive Coverage and Collision Coverage (aka “Full Coverage”) cannot be added. So if you buy a new car and want to protect your investment, that car will need to be on a regular policy.
- Additional Coverages. Towing, Rental Car After an Accident and other such coverages are not available.
- Insurance Company Choices. Currently, only three insurance providers offer Broad Form Policies in Washington: National General, Dairyland, and Bristol West.
Why is Broad Form Insurance Important in Washington State?
A Broad Form Coverage Policy is perfect for those looking for cheap insurance and who don’t need “full coverage” or who drive vehicles that they don’t own.
Broad Form Insurance Coverage Satisfies Washington State Minimum Liability Requirements
Broad Form Coverage satisfies Washington state’s minimum requirements for auto insurance, covering damages you may cause while driving an owned or borrowed car.
You can avoid unnecessary tickets for driving without insurance. If you have ever considered driving without insurance, think again. In Washington state, driving without insurance can get you a hefty fine of $550. Get legal for less today.
SR-22 Filings Are Available on Broad Form Policies
An SR-22 can be added to a broad form policy because a broad form coverage satisfies Washington state’s minimum liability requirements. Therefore an SR-22 filing can be added to the policy to get your license unsuspended.
If you need an SR-22, a Broad Form Policy can also help if you have vehicles insured with a preferred insurance provider and want to avoid getting canceled or having your rate increase if they find out you need an SR-22. You can purchase Broad Form SR-22 Insurance and keep your SR-22 separate from your current preferred insurance.
How to Obtain Broad Form Insurance in Washington State
1. Call Mid-Columbia Insurance at (509)783-5600 and request a Broad Form Insurance Quote
2. Provide our insurance specialist with a few basic facts about yourself and your driving record.
3. Say Yes if the price fits your budget.
Our agent will email you your insurance cards within minutes, and you can drive with confidence. We can offer Broad Form Coverage if you live anywhere in Washington. You are only one call away from getting your driver’s license insured at a price you can afford. Quick Quotes and Fast Coverage.
Conclusion: Is Broad Form Auto Insurance a Suitable Option for You?
A Broad Form Personal Auto Policy may be the right type of coverage for you if:
- You do not own a vehicle yet want to be insured.
- You borrow vehicles frequently and want to be certain you are covered.
- You own multiple cars, and no one else ever drives them.
- You need an SR22 but do not own a vehicle.
- You need an SR22 but don’t want to tell your preferred insurance company.
Small Print: This is just a summary of the broad form named operator coverage. For complete details of all policy terms, conditions, coverages, and exclusions, please speak to a licensed insurance agent and refer to your policy and the broad form named operator endorsement.
Recent Broadform FAQs
- What does Broad Form Insurance Not Cover?
- What’s The Difference Between Non-Owner And Broad Form Car Insurance?
- Do I Need Auto Insurance To Drive A Car?
- Does Broad Form Insurance Cover Repairs to My Car?
- What Does Broad Form Insurance Cover?
- What Companies Offer Broadform Insurance In Washington State?
- What’s The Difference Between Regular And Broad Form Car Insurance?
- What is an SR22 certificate?
- Is Broad Form Insurance Full Coverage?
Testimonials & Referrals
You will not regret calling Mid Columbia Ins. They work with numerous agencies to find the best rate for you and your needs. Never any judgement for situations your in or financial restrictions. My agent is Daisy and she is always there for me with fast and quality service!
Efficient, professional, friendly and kindly willing to work to find a way to make things work… Teen drivers, how policies in this state differ, nuances in personal property coverage for the home, and more!… Kyle was happy to make the effort to earn my business. I was with State Farm for well over 20 years but their coverage is no longer the same. Thanks to Kyle, I’m more than content with the change.
Estevan was very helpful in getting me a rate that was half of what I was paying before. Thank you for your help and I look forward to working more with your office.