Broad Form Insurance [FAQ] – Drive Any Car – Insure Your License

Insure Yourself Instead of Your Cars

Broad Form auto insurance is a popular and inexpensive way you can meet Washington state’s liability insurance requirements.

What if you could drive legal less? What if you could insure yourself to drive any car.

While this type of policy has some limitations, if you just need to have liability insurance for yourself, a broad form policy is an inexpensive option that just might be the perfect fit.

Can You Get Insurance On Your License?

You can insure your license in Washington state instead of insuring your cars. This kind of policy is referred to as a broad form insurance policy. It provides coverage for any vehicle, owned or non-owned, that fits within the definitions of the policy. For example, if you were to borrow your friend’s uninsured car, you would be insured. PS. If your friend is sued because it is his car, he may be without coverage.

So,whether you own a car or not, you can insure your license and be covered to drive any car!

 

What is a Broad Form Insurance Washington State?

Broad Form car insurance in Washington State is different from typical auto insurance in that, instead of buying insurance for a specific car (or cars), insurance is purchased for a specific driver. You pay the same amount whether you own or drive one, three, or even twelve cars. This is a perfect policy for you if you own several cars or if you frequently borrow other people’s cars and want to make sure you have insurance in case they don’t.

Many people ask about insuring their drivers license, which is officially called a Broad Form or Broadform policy (not Broadband Insurance 🙂 ). It is also called Named Operator Coverage or, more popularly, ‘Drivers License Insurance.’

You can, and we recommend you do, purchase uninsured motorist and personal injury protection on a broadform policy in case you or your passengers are seriously injured in an accident.

A Broad Form Named Operator policy should not be confused with its poor cousin, the Non-Owner policy. The difference is that the Non-Owner policy only covers cars you don’t have regular access to drive. So any car owned by you, parked at your residence, or lent to you frequently is excluded from coverage.

Washington is one of a handful of states that allows Broad Form Named Operator policies to be offered.

 

What Does A Broad Form Insurance Policy Cover?

Broad Form - Insured to Drive Any Car

Be Insured – Broad Form Insurance

Broad Form insurance provides the same type of liability coverage that comes with standard insurance, meaning if you cause an accident your insurance company will cover the claim up to your policy limits. The difference is, the policy only is in force when you, the named insured on the policy, are driving. If anyone else is driving a car you own, your policy does not provide any coverage. Period.

All Washington Broad Form Policies must have the following as bare minimum coverage:

  • $25,000 for bodily injury to one person in an accident.
  • $50,000 total bodily injury for two or more persons in an accident.
  • $10,000 for property damage in an accident.

Uninsured Motorist (UM) Coverage Can Be Added

Uninsured Motorist can be added to a BroadForm policy so that you, your passengers, and your car will be covered if someone else hits you. Either their insurance will pay, or if they have none, your company will act as if they had the other driver insured, pay you, and then go after the other driver to get their money back.

Personal Injury Protection (PIP) Can Be Added

Personal Injury Protection medical coverage can be added to your Broad Form policy so that you and your passenger’s medical bills will be covered no matter who caused the accident (No Fault Coverage).

 

What are the Benefits of a Broad Form Policy?

Broad Form - Insure Drivers License

Broad Form – Drive (Almost) Any Car

A BroadForm policy provides liability insurance for you, the specified driver, no matter how many vehicles you may own or drive. In other words, if your hands are on the steering wheel when the accident happens, your insurance will cover you whether you own the car or not.

  • Broad Form Coverage – Drive legal for less.
  • Pay one low price whether you own one car or many.
  • Insure Yourself Instead of Your Cars.
  • You don’t need to own a vehicle to get a BroadForm insurance.
  • You don’t own a car or you frequently borrow from someone else.
  • Broad Form coverage is available with or without an SR22 filing.
  • You don’t want to tell your preferred insurance company that you need an SR22.

Liability Insurance While Driving Any Owned Cars

Your regular policy only covers your owned cars that are specifically listed on the policy. With a BroadForm policy, any car you own is covered while you are driving.

Doesn’t matter if you own 0, 1, or 12 cars. And your rate does not change if you buy another car because vehicles are not listed on your policy.

Liability Insurance While Driving Non-Owned Cars

This is another area a Broad Form policy offers more coverage than a traditional car insurance policy. A regular policy also covers you when you borrow someone else’s car but only if the borrowed vehicle is not available for your regular use. A BroadForm does not have this restriction.

For example, if you borrow a car frequently or it is parked at your address, then your regular car insurance policy will not transfer to the borrowed car unless that car is listed as a covered vehicle on your insurance policy.

So, your Broad Form policy will cover you while driving a non-owned vehicle no matter how often you drive it.

Meet State Liability Requirements

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 $450. Get legal for less today.

Broad Form Named Operator Coverage satisfies Washington state’s liability insurance requirement, covering bodily injury and property damage you may cause while you are driving, whether you own the car or not.

 

What is the difference between standard and broad form car insurance?

Broad form insurance is simply an endorsement added to a standard auto insurance policy that changes the definitions of a few key terms.

  • First, the definition of insured is, ironically, changed from a broad list to a very narrow you and you only.
  • Second, the definition of what is considered an insured vehicle is broadened from only the cars listed on the policy plus a few exceptions to almost any private passenger vehicle as long as it is not being used for business.

 

Do You Need To Have Auto Insurance To Drive A Car?

Washington state, like most states, requires a driver to carry a minimum amount of liability insurance in order to protect others on the road. So, yes, you need to be insured to drive. If you are borrowing a car, the owner’s insurance may cover you. Then again, it may not. Probably best to have your own policy.

 

What are the Drawbacks of BroadForm Policies?

A Broad Form policy does have some limitations which need to be considered:

  • You are not covered if someone else drives your vehicle. Your broadform insurance policy will not cover any damages they do even if you, the vehicle owner, are held responsible for the damages.
  • You are not covered while driving a motorcycle, motor home, moving van, or motor scooter.
  • You are not covered when the motor vehicle is being used in any type of business or commercial occupation.
  • You are not covered when the motor vehicle is being driven in any racing, demolition or stunting contest or activity.
  • Comprehensive and Collision aka “Full Coverage” cannot be added.

 

Why is Broad Form Insurance So Cheap?

A Broad Form policy is less expensive than a regular liability-only policy because the insurance company is only on the hook to cover accidents caused by the driver named on the policy. The policy basically excludes every other possible driver in the world.

Regular car insurance policies are on the hook if you let your cousin with 2 DUIs and 3 accidents borrow your car. The broadform policy does not have to worry about (or cover) this exposure, called “permissive use”.

If you will never let anyone else drive your vehicle, then you are paying extra for coverage that you will not use. However, if you ever let someone drive you home or drive part of a road trip in your car, they are driving uninsured.

 

Does BroadForm Cover Repairs to My Car?

No, a broad form policy will not cover repairs to your car if the accident is your fault because comprehensive and collision coverages cannot be added to a Broad Form policy.

If you cause an accident, your insurance will cover the damage to the other vehicle as well as any injuries for which you are responsible. But it will not cover repairs to your vehicle because that would come under collision coverage which is not available on a BroadForm policy.

Of course, if the other driver is at fault, their insurance should cover the repairs to your car and any injuries you sustain.

We also recommend you add Uninsured Motorist Coverage to your broad form policy so that if they do not have insurance, your uninsured motorist will step up and cover your and your passenger’s injuries and any damage to your car, just as if the other driver did have insurance.

If you finance a car that requires physical damage, we can convert your policy to a regular policy or write a second policy to cover the new purchase.

 

What is Different About a Broad Form Policy?

The main difference between a Broad Form and a regular car insurance policy is that the BroadForm policy only is in effect when you, the person whose name in on the insurance policy, is driving.

The other difference is that you do not have to keep the insurance company updated with which cars you want insured.

 

Are Motorcycles, RVs, or Business Use Vehicles are Covered on Broad Form Policy?

Motorcycles, RVs, and business use vehicles are not covered by a broad form auto insurance policy since it only covers regular passenger type cars and pickups for personal use. If you are driving a car for business use, you will need commercial vehicle insurance. Any motorcycles, motorhomes, etc would also need a separate insurance policy.

We do offer a Broad Form Motorcycle Policy that covers any and all motorcycles that you might drive.

 

Are SR22s Available on a BroadForm?

SR22s can be added to a broad form because a broadform policy satisfies Washington state’s statutory car insurance requirements. Therefore an SR22 filing can be added to a broad form policy so that you can get your license unsuspended.

If you have vehicles insured by a preferred insurance company and want to avoid getting cancelled or having your rate increase if they find out you need an SR-22 endorsement, you can purchase BroadForm SR22 insurance and keep it separate from your current preferred insurance.

 

Is Broad Form Auto Insurance a Suitable Option for You?

You will need to take all of this into account so that you can make the best informed decision.

A non-owner policy may be a good fit for you if:

  • You do not own a vehicle but still want insurance.
  • 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.

 

What Companies Offer BroadForm in Washington State?

Mid-Columbia Insurance offers the best rates for Washington broad form insurance in Washington through these four companies:

  • National General Insurance
  • Dairyland Insurance
  • Kemper Specialty Insurance
  • Bristol West Insurance

To the best of our knowledge these are the only insurance companies that currently offer Broad Form Named Operator policies in Washington state.

Some companies offer the Non-Owned Vehicle type of Broad Form but that policy is designed only for people who don’t own a car and don’t have regular access to a car. We can but do not sell this kind of policy because it is too restrictive. This is the only kind sold by companies like Progressive, The General, Geico, State Farm, etc.

Because BroadForms are our specialty, we represent all 4 of the above companies. So just give us a quick call to find out how inexpensive a Broad Form policy can be for you.

 

How to Get the Best Deal on Broad Form Insurance?

Broad Form Insurance

Drive Happy – Instant Proof of Insurance

Like all other types of car insurance coverage your rate depends on risk factors such as your age and driving record. Each company weights these factors differently so it is important to shop around to find the company that “likes you” the most.

Luckily we can do the work for you, getting a Broad Form quote from each of the companies and giving you the choice of picking the company that offers the best payment plan for you.

If you are interested in getting a BroadForm insurance policy or just want a quote, call us or fill out the quote request form. One of our licensed insurance professionals will be glad to answer any questions you have and find you a great rate.

Small Print: This is just a summary of broad form named operator coverage. For a complete detail of all policy terms, conditions, coverages, and exclusions, please speak to a licensed insurance agent and refer to your policy and the broadform named operator endorsement.

Testimonials & Referrals

5 Star Review
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!

Michelle Anderson-Moore

5 Star Review
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.

Jeanna Hernandez

5 Star Review
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.

Caleb Gibson

Broad Form Insurance Written in the Following Cities

Mid-Columbia Insurance writes Broadforms in Aberdeen, Airway Heights, Algona, Anacortes, Arlington, Asotin, Auburn, Bainbridge Island, Battle Ground, Bellevue, Bellingham, Benton City, Bingen, Black Diamond, Blaine, Bonney Lake, Bothell, Bremerton, Brewster, Bridgeport, Brier, Buckley, Burien, Burlington, Camas, Carnation, Cashmere, Castle Rock, Centralia, Chehalis, Chelan, Cheney, Chewelah, Clarkston, Cle Elum, Clyde Hill, Colfax, College Place, Colville, Connell, Cosmopolis, Covington, Davenport, Dayton, Deer Park, Des Moines, DuPont, Duvall, East Wenatchee, Edgewood, Edmonds, Electric City, Ellensburg, Elma, Entiat, Enumclaw, Ephrata, Everett, Everson, Federal Way, Ferndale, Fife, Fircrest, Forks, George, Gig Harbor, Gold Bar, Goldendale, Grand Coulee, Grandview, Granger, Granite Falls, Harrington, Hoquiam, Ilwaco, Issaquah, Kahlotus, Kalama, Kelso, Kenmore, Kennewick, Kent, Kettle Falls, Kirkland, Kittitas, La Center, Lacey, Lake Forest Park, Lake Stevens, Lakewood, Langley, Leavenworth, Liberty Lake, Long Beach, Longview, Lynden, Lynnwood, Mabton, Maple Valley, Marysville, Mattawa, McCleary, Medical Lake, Medina, Mercer Island, Mesa, Mill Creek, Millwood, Milton, Monroe, Montesano, Morton, Moses Lake, Mossyrock, Mount Vernon, Mountlake Terrace, Moxee, Mukilteo, Napavine, Newcastle, Newport, Nooksack, Normandy Park, North Bend, North Bonneville, Oak Harbor, Oakville, Ocean Shores, Okanogan, Olympia, Omak, Oroville, Orting, Othello, Pacific, Palouse, Pasco, Pateros, Pomeroy, Port Angeles, Port Orchard, Port Townsend, Poulsbo, Prescott, Prosser, Pullman, Puyallup, Quincy, Rainier, Raymond, Redmond, Renton, Republic, Richland, Ridgefield, Ritzville, Rock Island, Roslyn, Roy, Royal City, Ruston, Sammamish, SeaTac, Seattle, Sedro-Woolley, Selah, Sequim, Shelton, Shoreline, Snohomish, Snoqualmie, Soap Lake, South Bend, Spangle, Spokane, Spokane Valley, Sprague, Stanwood, Stevenson, Sultan, Sumas, Sumner, Sunnyside, Tacoma, Tekoa, Tenino, Tieton, Toledo, Tonasket, Toppenish, Tukwila, Tumwater, Union Gap, University Place, Vader, Vancouver, Waitsburg, Walla Walla, Wapato, Warden, Washougal, Wenatchee, West Richland, Westport, White Salmon, Winlock, Woodinville, Woodland, Woodway, Yakima, Yelm, and Zillah.