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Excluded Drivers: Risks and Implications

Excluded Drivers: Risks and Implications

by | Car Insurance

When you exclude a driver on your car insurance policy, they are removed from coverage for your insurance plan, leaving them without insurance if they drive your vehicle. Before you make the decision to exclude a driver from your car insurance, it’s crucial to...

Frequently Asked Questions

Does an SR-22 filing expire on its own in Washington?

No. You must ask your insurer to remove the filing. We highly recommend you contact the Washington Department of Licensing (DOL) directly to confirm the period has been fulfilled before asking your insurer to remove the filing.

Can I keep my current preferred insurance and still file an SR-22?

Yes. You can purchase a separate non-owner or broad form policy from a different carrier and have the SR-22 filed under that policy, without alerting your current preferred insurer. This is a common strategy for drivers who want to protect their existing rates.

What is the Washington Automobile Insurance Plan (WAIP)?

The WAIP is a state-assigned risk program for drivers who have been denied coverage by multiple insurers. It’s a last resort. Most high-risk drivers can find coverage through carriers like Dairyland, The General or Bristol West before needing to use WAIP.

Does an SR-22 filing cover me if I drive someone else’s car?

Your SR-22 filing is just notice to the state you have insurance. Your insurance is what would cover you and that depends on the type of policy you have. The car owner is responsible for having insurance on a car he lends you but your policy may cover you as well.

Can I get SR-22 insurance if I have more than one DUI on my record?

Yes, though your options narrow and rates increase with multiple DUI convictions. Carriers that specialize in high-risk drivers, including Progressive and National General, still write policies for Washington drivers with multiple violations. Shopping multiple carriers is essential in that situation.

How do I know when my SR-22 requirement is officially over?

Contact the DOL at (360) 902-3900 and ask directly. They will confirm your filing end date and whether you’ve met the 36-month consecutive requirement. Once confirmed, notify your insurer to remove the certificate from your policy.

Will an SR-22 affect my rate even after the requirement ends?

The filing itself can be removed but the violations that caused it may remain on your driving record for up to 5 years.

What happens if I move out of Washington while carrying an SR-22?

Washington’s SR-22 requirement follows you. Even if you relocate, you must maintain the filing with the DOL for the full 36-month period. Some states don’t require SR-22, but that doesn’t eliminate Washington’s mandate. Many insurance companies, such as Progressive, can file a Washington SR-22 for non-Washington residents.

Can I lower my SR-22 insurance rates over time?

Yes. Avoiding additional violations, maintaining continuous coverage, and improving your credit score can all reduce what you pay. Some carriers also offer rate reductions after a period of clean driving. Comparison shopping at renewal is the fastest way to find a better rate.

Communties Served: Kennewick, Pasco, Richland, Yakima, Union Gap, Prosser, Walla Walla, Sunnyside, Seattle, Spokane, Tacoma, Vancouver, Bellevue, Kent, Everett, Renton, Federal Way, and all of Washington state.

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