Broad Form Insurance | Spokane | Drivers License Coverage

Spokane Broadform Insurance: Drivers License Insurance

Broad Form Insurance Spokane Wa - Washington License Plate

Broad Form Insurance, also known as Broadform Insurance or Driver’s License Insurance, is a unique auto insurance policy that provides coverage for a specific driver rather than a specific vehicle. This driver-based coverage allows the named insured to drive any owned or non-owned vehicle with the peace of mind that they are protected by their insurance policy.

What is Broad Form Insurance?

Broad Form Insurance is a type of auto insurance that covers the named insured while driving any private passenger vehicle, regardless of ownership. Unlike traditional auto insurance policies that are tied to specific vehicles, Broad Form Coverage follows the driver. This means that whether you own multiple vehicles, frequently borrow cars, or don’t own a vehicle at all, you can still have insurance coverage.

Broad Form Insurance in Washington State

In Washington State, Broad Form Insurance is available through select insurance providers, including National General, Dairyland, and Bristol West. These policies meet the state’s minimum liability coverage requirements, which include:

  • $25,000 per person for bodily injury
  • $50,000 per accident for bodily injury
  • $10,000 for property damage

However, many drivers choose to purchase higher liability limits for added protection.

What Does Broad Form Insurance Cover?

Broad Form Insurance provides the following coverages:

  • Liability Coverage: This covers damages or injuries the named insured causes to others while driving. Liability limits can be customized to fit the policyholder’s needs and budget.
  • Uninsured Motorist Coverage (UM): This optional coverage protects the named insured if they are hit by a driver without insurance. UM limits typically match the liability limits.
  • Personal Injury Protection (PIP): Another optional coverage, PIP provides medical coverage for the named insured regardless of fault in an accident. PIP limits vary by state.

It’s important to note that Broad Form Insurance does not include Comprehensive or Collision Coverage, which would cover damages to the vehicle being driven. However, if the named insured is driving a vehicle owned by someone else, that vehicle’s Comprehensive and Collision Coverage may apply.

Broad Form Insurance Spokane Drivers License Coverage - Young smiling man sitting in a car with open window close up

Advantages of Broad Form Insurance

  1. Flexibility: The named insured can drive any private passenger vehicle with coverage, providing portability and continuous coverage even when driving a borrowed or rented car.
  2. Affordability: For individuals who own multiple vehicles or frequently borrow cars, Broad Form Insurance can be more cost-effective than insuring each vehicle separately.
  3. Customization: Policyholders can choose their liability limits and optional coverages to best fit their needs and budget.
  4. SR-22 Filing: Broad Form Insurance can be used to satisfy SR-22 filing requirements for drivers who need to prove financial responsibility to regain their driving privileges.

Who Can Benefit from Broad Form Insurance?

Broad Form Insurance can be a smart choice for various types of Spokane drivers:

  • Individuals who don’t own a vehicle but frequently borrow or rent cars
  • Households with multiple vehicles driven by a single driver
  • Drivers who need an SR-22 filing but don’t own a vehicle
  • Those seeking to separate their SR-22 filing from their primary auto insurance policy

Broad Form Insurance Quotes and Providers

Mid-Columbia Insurance is a trusted insurance broker serving Spokane and throughout Washington State. They work with top Broad Form Insurance providers, including National General, Dairyland, and Bristol West, to offer flexible coverage options and competitive rates.

“At Mid-Columbia Insurance, we understand that every driver’s needs are unique,” says agency owner Gary Paulson. “That’s why we work with multiple Broad Form Insurance providers to find the best coverage for each individual client.”

To get a Broad Form Insurance quote, Spokane residents can:

  1. Call Mid-Columbia Insurance at (509) 783-5600
  2. Provide basic information about their driving history and coverage needs
  3. Receive quotes from multiple providers and choose the best policy for their situation

Mid-Columbia Insurance’s knowledgeable agents are available to answer questions, provide guidance, and help drivers obtain the coverage they need to stay legal on the road.

Young Smiling Woman Driving A Car In The City Close Up - Young smiling woman driving a car in the city close up

Broad Form vs. Non-Owner Car Insurance

While Broad Form Insurance and Non-Owner Car Insurance both provide liability coverage for drivers who don’t own a vehicle, there are some key differences:

  • Non-Owner Car Insurance typically only covers vehicles that the policyholder borrows occasionally and does not have regular access to. It does not cover vehicles owned by the policyholder or their household members.
  • Broad Form Insurance, on the other hand, covers the named insured while driving any private passenger vehicle, including owned vehicles and those they borrow frequently.

For drivers in Spokane who need more extensive coverage, Broad Form Insurance is often the better choice.

Is Broad Form Insurance Right for You?

Broad Form Insurance can be an excellent option for Spokane drivers who:

  • Own multiple vehicles driven by a single person
  • Frequently borrow or rent vehicles
  • Need to file an SR-22 but don’t own a vehicle or want to keep it separate from their primary policy
  • Want the flexibility and portability of driver-based coverage

To determine if Broad Form Insurance is the right choice for your unique situation, contact the experienced agents at Mid-Columbia Insurance. They’ll work with you to assess your needs, compare quotes from top providers like National General, Dairyland, and Bristol West, and find the best coverage for your budget.

Mid-Columbia Insurance
– Your Trusted Broad Form Insurance Agent

Broad Form Insurance offers Spokane drivers a flexible, affordable alternative to traditional auto insurance policies. By focusing on the driver rather than the vehicle, this coverage provides peace of mind and protection across multiple vehicles and driving situations.

As a trusted insurance broker, Mid-Columbia Insurance is dedicated to helping Spokane residents navigate the world of Broad Form Insurance. With access to top providers and a commitment to personalized service, they make it easy for drivers to get the coverage they need at a price they can afford.

Call (509)783-5600 and speak to one of our independent insurance agent professionals today, or click “Get a Quote” to request an insurance quote.

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Spokane Broad Form Insurance

The insurance you want at a price you can afford

Frequently Asked Questions

Question Answer
How much does Broad Form Insurance cost in Spokane, WA? The cost of Broad Form Insurance varies depending on factors such as your driving record, age, and desired coverage limits. Contact Mid-Columbia Insurance for a personalized quote based on your specific needs and circumstances.
Can I add Comprehensive and Collision Coverage to my Broad Form Policy? No, Comprehensive and Collision Coverage cannot be added to a Broad Form Insurance policy. These coverages are typically only available on vehicle-specific policies.
Will Broad Form Insurance cover me if I drive a rental car? Yes, Broad Form Insurance will typically cover your liability needs when driving a rental car, as long as it is a private passenger vehicle and not being used for business purposes. However, it’s always best to confirm coverage with your insurance provider before renting a vehicle.
Can I get Broad Form Insurance if I have a poor driving record? While it may be more challenging to obtain Broad Form Insurance with a poor driving record, it is still possible. Mid-Columbia Insurance works with multiple providers to find coverage options for drivers with various driving histories. Be prepared to pay higher premiums if you have a history of accidents or violations.
How long does it take to get a Broad Form Insurance policy in Spokane, WA? The process of obtaining a Broad Form Insurance policy can be relatively quick, especially when working with an experienced broker like Mid-Columbia Insurance. In many cases, you can receive quotes and have your policy issued within the same day, allowing you to get back on the road with proper coverage promptly.
What happens if I lend my car to a friend and they get into an accident? If you lend your car to a friend and they get into an accident, your Broad Form Insurance policy will not provide coverage for the damages or injuries they cause. The policy only covers the named insured while driving, so your friend would need to have their own insurance or be covered by the vehicle owner’s policy. Also, if you own the car, you may be responsible personally for any damage they cause.
Can I bundle my Broad Form Insurance with other types of insurance? While you may not be able to bundle your Broad Form Insurance with other auto insurance policies, you can often bundle it with other types of insurance, such as homeowners or renters insurance. Speak with your Mid-Columbia Insurance agent to explore potential bundling options and discounts.
Is Broad Form Insurance the same as Non-Owner Insurance? While Broad Form Insurance and Non-Owner Insurance both provide liability coverage for drivers who don’t own a vehicle, they have some key differences. Non-Owner Insurance typically only covers vehicles that the policyholder borrows occasionally, while Broad Form Insurance covers the named insured while driving any private passenger vehicle, including owned vehicles and those they borrow frequently.
How do I file a claim on my Broad Form Insurance policy? To file a claim on your Broad Form Insurance policy, contact your insurance provider’s claims department as soon as possible after an accident. Mid-Columbia Insurance can assist you in navigating the claims process and communicating with the insurance company to ensure a smooth resolution. Be prepared to provide details about the accident, including date, time, location, and any involved parties.
Can I cancel my Broad Form Insurance policy at any time? Yes, you can typically cancel your Broad Form Insurance policy at any time by contacting your insurance provider or Mid-Columbia Insurance. However, keep in mind that driving without insurance is illegal in Washington State and can result in fines and other penalties. It’s essential to have alternative coverage in place before canceling your policy.

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