Category: Auto Insurance

Often misunderstood as a type of insurance, SR-22 is, in fact, a certificate of financial responsibility mandated for certain drivers. If a court or the Washington State Department of Licensing has ordered you to obtain an SR-22, the University Place, WA-based MTC Insurance Agency Group is here to guide you through the process.

Unveiling the SR-22 Certificate

The SR-22 is a document filed by your insurance company to the state, certifying that you hold the bare minimum auto insurance coverage obligatory under Washington law. Frequently, states require SR-22 to either reinstate or maintain a driver’s license after one or more serious traffic offenses, such as a DUI conviction, reckless driving, or operating a vehicle without insurance.

It’s crucial to note that SR-22 isn’t insurance per se. It’s simply a certification appended to your existing auto insurance policy, which is commonly referred to as "SR-22 insurance."

Who Requires an SR-22?

Drivers who have committed severe traffic offenses may be required to file an SR-22 in University Place, WA. The mandate may arise from incidents like at-fault accidents without insurance coverage, repeated traffic offenses in quick succession, or a conviction for driving under the influence of drugs or alcohol.

The order to hold an SR-22 usually lasts for a specific period, typically three years. However, depending on the severity of the offense and the state’s determination, the duration could vary.

Assistance with SR-22 Requirements from MTC Insurance Agency Group

The MTC Insurance Agency Group team is committed to helping clients navigate the SR-22 process. Our agents assist with securing appropriate auto insurance, requesting the SR-22, and ensuring it’s filed correctly with the state. Reach out to us if you need an SR-22—we’re here to simplify the process for you.

When you get auto insurance, it will come with a number of different types of coverage. There are types of coverage that are required by the state, and then there are others that aren’t required but that are very much needed. Collision coverage is a type that isn’t required, but no driver should be without it. When you need auto insurance, call us at MTC Insurance Agency Group in University Place, WA to find out more and get started. 

Collision Coverage

When you use your liability coverage in your auto insurance policy, it pays for the damages that happen to the other people in the accident. It doesn’t cover your own damages. Bodily injury liability pays for the medical bills of the other parties. Property damage liability pays for the damage that was done to their vehicle, building, or other property. Both of these have to be in place in case you cause an accident. However, if you only have these overage types, the damage to your own vehicle won’t be covered if you cause an accident. That’s why there’s collision coverage. It pays for the damage to your vehicle so that you can get the repairs you need. 

Protect Yourself

If you don’t have this type of auto coverage, it could mean serious financial difficulties after an accident. When you’re judged to be at fault, you wouldn’t have any coverage to take care of those bills and would have to pay them all yourself. If your vehicle is totaled, you may not be able to replace the vehicle because of the cost. It’s always safer to have collision coverage just in case you’re the cause of an accident. 

Get Auto Coverage

For collision coverage and any other type of auto coverage, you can call us at MTC Insurance Agency Group in University Place, WA.