Tacoma Broad Form Insurance: Drivers License Insurance
Broad Form Insurance, also known as Drivers License Insurance, is a unique type of car insurance that provides coverage for the named insured while driving any vehicle, whether owned or non-owned. This driver-based coverage is an excellent option for Tacoma, WA residents seeking a flexible and affordable insurance solution.
What is Broad Form Insurance?
Broad Form Insurance is a type of auto insurance that focuses on the driver rather than the vehicle. Unlike traditional car insurance policies that cover specific vehicles, Broad Form Insurance covers the policyholder while operating any private passenger vehicle, as long as it is not being used for business purposes.
Broad Form Insurance vs. Regular Insurance
The main difference between Broad Form Insurance and regular auto insurance lies in the scope of coverage. While regular insurance policies typically cover specific vehicles listed on the policy, Broad Form Insurance covers the named insured regardless of the vehicle driven, providing a more versatile and portable coverage option.
| Feature | Broad Form Insurance | Regular Insurance |
|---|---|---|
| Coverage Basis | Driver | Vehicle |
| Vehicles Covered | Any (with some exceptions) | Specific vehicles listed on the policy |
| Named Insured | Only the policyholder | Policyholder and other listed drivers |
| Portability | High | Low |
Liability Coverage and Additional Options
Broad Form Liability Coverage is the foundation of a Broad Form Insurance policy. This coverage protects the policyholder from financial responsibility for damages or injuries caused to others while operating a vehicle. Policyholders can choose from various liability limits, such as:
- 25/50/10 (minimum in Washington State)
- 50/100/50
- 100/300/100
In addition to liability coverage, Broad Form Insurance policies can be customized with optional coverages:
- Uninsured Motorist Coverage (UM): Protects the policyholder against damages caused by an uninsured driver.
- Personal Injury Protection (PIP): Covers medical expenses and lost wages resulting from an accident, regardless of fault.
What Our Customers Are Saying About Us
SR-22 Broad Form Insurance
For Tacoma, WA drivers who need to file an SR-22, Broad Form Insurance can be a convenient solution. An SR-22 is a certificate of financial responsibility required for high-risk drivers, such as those with DUI convictions or multiple traffic violations. Mid-Columbia Insurance can help you obtain an SR-22 along with your Broad Form Insurance policy, ensuring compliance with Washington State laws.
Who Needs Broad Form Insurance?
Broad Form Insurance is an excellent choice for various types of drivers in Tacoma, WA, including:
- Drivers who don’t own a vehicle but frequently borrow or rent cars
- High-risk drivers who need an SR-22 filing
- Individuals who own multiple vehicles but are the sole driver
- Those seeking a more affordable and flexible insurance option
Broad Form Insurance Companies
At Mid-Columbia Insurance, we work with top-rated insurance carriers to provide our clients with the best Broad Form Insurance options. Some of the companies we represent include:
These reputable insurers offer competitive rates and excellent coverage options for Tacoma, WA drivers.
Why Choose Mid-Columbia Insurance?
Mid-Columbia Insurance is your trusted partner for Broad Form Insurance in Tacoma, WA. Our experienced team understands the unique needs of drivers in the Evergreen State and is dedicated to providing personalized service and expert advice.
As agency owner Gary Paulson states, “At Mid-Columbia Insurance, we believe in offering our clients the most comprehensive and flexible insurance solutions available. Broad Form Insurance is an excellent option for many Tacoma drivers, and we’re committed to helping them find the right coverage at the right price.”
Advantages of Broad Form Insurance
- Flexibility to drive any vehicle without the need for multiple policies
- Affordable premiums compared to traditional auto insurance
- Portable coverage that follows the policyholder
- Customizable options for liability limits and additional coverages
- Compliance with Washington State minimum insurance requirements
- SR-22 filing available for high-risk drivers
- Simplifies insurance management for those who drive multiple vehicles
- Peace of mind knowing you’re covered while driving borrowed or rented cars
BroadForm Insurance Exclusions
While Broad Form Insurance offers extensive coverage, there are some exclusions to keep in mind:
- Coverage is limited to the named insured only
- Certain types of vehicles, such as motorcycles, motorhomes, and commercial vehicles, are not covered
- Physical damage coverage (comprehensive and collision) is not available
- Vehicles used for business purposes are excluded
Mid-Columbia Insurance
– Your Trusted Broad Form Insurance Agent
If you’re a Tacoma, WA driver looking for a flexible and affordable car insurance option, Broad Form Insurance from Mid-Columbia Insurance may be the perfect solution. Our knowledgeable team is ready to help you customize a policy that meets your unique needs and budget.
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.
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. |