If the state of Washington has told you that you need an SR22 insurance policy, you may be wondering how long you need to keep your policy active. Washington requires that you maintain your SR22 insurance policy for 3 years. You only need to buy cheap SR22 auto insurance (quotes) to maintain your license, but your may want to consider purchasing higher insurance limits. uninsured motorist bodily injury with underinsured bodily injury and full coverage to make sure you, your family and your car are properly protected. Searching for SR22 auto insurance quotes is almost the same as shopping for regular insurance, except that you need to make sure the insurance company offers SR22 filings. You also need to keep in mind that even if you move, you still need to maintain your SR22, so moving from Seattle to Spokane will exempt you from keeping your SR22.
When you buy an SR22 insurance policy, your insurance company will need to fax the certificate to the state (the fax number is 360-570-7040). The process will take about 7 to 10 days to complete, so you need to make sure to buy your insurance policy well in advance of your suspension. Once the SR22 certificate is filled, the state will set up a connection with your insurance company. If you allow your insurance to cancel or you do not renew the
insurance before it expires, the state will automatically suspend your license. Once the state receives your notice of cancellation from your insurance company, they will automatically suspend your license and then send you a notice of suspension. Your license may be suspended even before you receive a notice. If you get pulled over by the police with a suspended license, it will cost you a lot of money. If you are arrested, you will need to pay your bail, fines, impound fees and a reinstatement fee. Besides the fees, your insurance will get a lot more expensive with a driving on a suspended license violation on your driving record. You also need to remember that even if you reinstate your insurance, your license will not be reinstated until the state processes your file. We recommend that you wait until you receive a notice letting you know you can drive again to avoid driving with a suspended license.
We also recommend that you renew your insurance two weeks before it expires to avoid having your license suspended. Talk to your insurance agent to make sure that you have all the information you need on your SR22. Being informed will assure that your license stays active and you avoid driving illegally.
“Financial Responsibility (SR-22).” WA State Licensing. Washington State Department of Licensing, n.d. Web. 30 Oct. 2012. <http://www.dol.wa.gov/driverslicense/sr22.html >.