What could be the reason why my brother is being required to have SR22 insurance in Washington and how can he get that?

Aila

Everett, WA

Your brother must have received an alarming letter from the Department of Motor Vehicles (DMV) asking a certificate of financial responsibility. He need not have to be so nervous because he can definitely get SR22 insurance in Washington.

SR22 insurance in Washington is a certificate filed by an insurance company that will guarantee the DMV that your brother has the minimum liability requirements for his car insurance. SR22 insurance in Washington is being asked for drivers who are considered high risk by insurance companies. There are a lot of reasons a driver is asked for SR22 insurance in Washington, including:

–DUI or Driving Under the Influence conviction
–causing a traffic accident and was not able to show car insurance coverage
–causing a traffic accident that resulted to death
–having numerous traffic tickets or accidents in a short period of time
–reckless speeding tickets

The state does not mandate car insurance companies to offer SR22 insurance in Washington. Still, your brother does not have to worry because there are a lot of car insurance companies that offer SR22 insurance in Washington, but for an additional cost. He can check with his current car insurance provider if they offer SR22 insurance in Washington, if not, he would have to shop around for his car insurance.

Tags: driving without insurance, drunk driving insurance, DUI, SR22 insurance

My family had just moved in here in Washington for my job offer. I have current car insurance in another state and I just don’t know if my recent coverage is applicable here in Washington. Is there any imposed car insurance coverage here to be followed?

Greg

Kent, WA

Every citizen in Washington is suppose to have a car insurance and because of this there are so many ways of getting car insurance as fast as you can. Car insurance here in this state is a must for the protection of the citizens in case they get any accidents or troubles along the way.

The other thing that the state asks with regards of car insurances is that they should at least have a Liability Coverage or at least increase your Liability Coverage than getting a lot of different coverage with different minimums since even if you combine the different coverage minimums it still not enough to meet all the claims in any accident on the road. Though Car Insurance Companies offer you such other car insurance coverage like collision, comprehensive, personal injury protection, uninsured or underinsured motorist and the like it doesn’t mean that the State of Washington impose you to get these coverage. In any offers whether the car insurance company or the state you still have the final say. If the state imposed something about such coverage and if you don’t think you need it you just have to relinquish or get a reduction form telling them about your decision.

I have a daughter who is already in college. Last holiday she came home and had requested for a car. I don’t have any problem with that but buying a car means getting another car insurance. What are the possibilities that I will be able to get a cheaper car insurance here in Seattle, Washington for my daughter? Are there any ways of availing the cheapest one?

Lila

Seattle, WA

In most cities, including Seattle, Washington, there are actually many ways of availing cheap car insurance for your children who is already in the right age to drive. Availing insurance in the name of your child is far more expensive. You might as well check the insurance requirement of the city where her university is located to ensure if your policy is compatible with the State law.

One way of getting a cheaper insurance is, when your child is an A student. If the child is able to maintain a desirable average, you can lower your premium. You can also check your insurance company all the ways to get a lower car insurance but protects your child well in case of accidents. You can also ask for roadside assistance that will assist your child if ever they are going out on the road everytime they are having their breaks from school. If there’s a chance that your child is leaving her car at home you can expect to have a lower premium, since you are going to lessen the drivers on the road. You have to make sure that either in your name or your child’s, you have to get them car insurance.

My brother has a possible DUI conviction here in Washington. I just want to make it clear to him and make him understand better the possible consequences of his action. How does a DUI conviction really affect a person?

Lynn

Tacoma, WA

Driving under the influence is not worth it because not only you are incapable of driving safely, but you are also very likely to receive a ticket. You might think that receiving a DUI simply requires you to pay a fee and try to get out of the ticket, but a DUI is really more expensive than you might have ever imagined.

A DUI conviction might cost your brother thousands of dollars, but it may also cost him emotionally, physically, and others would pay as well.

First of all, a DUI costs a lot of money. The car may be impounded, and then the driver would be taken to jail, and would receive a ticket, as well as other fees and fines that might apply to the specific situation. This would, of course, cost a pretty penny.

Then, there are the emotional costs of a DUI conviction. You would likely feel ashamed and embarrassed, and that is if you just got a ticket. In addition, you might wreck your vehicle or the vehicle of another individual, causing more emotional suffering and pain. Then, if you or others were injured you can count on significant emotional suffering.

Physical costs are likely with driving under the influence because accidents could happen. You may injure or even kill yourself, not to mention others. Imagine how you would feel if you cause yourself to be paralyzed or kill another individual. These are some huge costs of drinking and driving.

Then, there are the costs to other people as well. Your family would feel embarrassed and ashamed if you receive a DUI citation, not to mention if you are killed or kill someone else because you chose to drink and drive. Then there is the family and friends of other individuals that you might have injured while drinking and driving. They would feel angry and hurt as well.

Obviously, there are a lot of costs associated with DUI; most of them would change your life and the lives of others forever. So, if you want to drink, you have to make sure you call a cab or at least have a designated driver to ensure you get home safe and sound. We can all avoid all of the costs of a DUI and don’t drink and drive.