Many people ask about insuring their drivers license, which is officially called a “broad form” policy. What is it and can it save you some money?
Simply put, the broadform policy (sometimes spelled as 2 words) insures a specific driver rather than a specific car. You can drive your car, your friends car, your parents car, etc. The insurance provides liability coverage for the policy owner while driving but does not provide any coverage to fix the car being driven or any liability coverage for the owner of the car if they are sued by the injured party.
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. 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.
Just remember, in Washington state the owner of the car is the person primarily responsible for damages done by their vehicle and a broad form policy is secondary. This means if the vehicle owner’s insurance does not cover them when you are driving their car, they may be left without any protection if you cause an accident even though you are covered (since your policy covers you against a lawsuit and not them).
Click here for more about BroadForm & Driver’s License Insurance
Washington is one of the few states that offers Broad Form Named Operator policies. A regular auto insurance policy covers the specific car(s) listed on the policy. A BroadForm Named Operator policy provides insurance coverage to the driver listed on the policy without listing any cars. The cost is the same whether you own or drive one, three, or even twelve cars.
Broad Form Named Operator Coverage satisfies Washington State’s liability insurance requirement, covering any bodily injury and property damage you may cause while you are driving, whether you own the car or not. You do have the option of adding personal injury protection and uninsured motorist coverage to your Broad Form policy.
If you are interested to learn more about BroadForm insurance or want to get a quote, call us or fill out the quote request form. One of our licensed insurance professionals will be glad to answer any questions and find you a competitive rate.
BroadForm Facts about Insuring Your License
- Designed for the person who owns no cars or too many cars.
- Provides the same liability protection as a regular auto policy.
- Same price if you are the only driver of 1, 3, or even 12 or more cars.
- Don’t need to own a vehicle.
- You (and only you) are covered while driving any car you own or have permission to drive.
- An SR22 filing can also be added to the Broad Form.
- Cheap way to get an SR22 but keep your existing insurance
- Available with, or without, an SR22 filing
- Liability, Uninsured Motorist, and Personal Injury Protection (PIP) medical available.
- Stay legal for less