What Is BroadForm Insurance in Spokane WA?
Broad Form Insurance, unlike regular car insurance, is insurance to cover a specific driver rather than a specific car. You pay the same amount whether you drive one, four, or twelve cars. You don’t even need to call in when you buy, sell, or trade cars, because your cars are not listed on your policy.
BroadForm Insurance is an inexpensive way to meet the Washington state liability insurance requirements to drive legally in Spokane whether or not you own a car. And best of all, instant proof of insurance can be emailed to you immediately! We also have Broad Form Motorcycle Insurance available.
What Does BroadForm Insurance Cover in Spokane WA?
- Liability Insurance to pay for bodily injury and property damage suffered by others if you were at-fault for the accident.
- Personal Injury Protection to pay for the medical bills of you and your passengers no matter who was at-fault.
- Uninsured Motorist to pay for bodily injury and property damage to you, your passengers, and your car if the other driver is at-fault but does not have insurance.
You may have noticed that Comprehensive and Collision coverage, aka Full Coverage, are not available on Broad Form policies. Therefore, unless the other driver is at-fault, your car would not be repaired or replaced if you are in an accident.
FYI, personal injury protection and uninsured motorist coverages are not required in Washington state and may be declined but we recommend you protect yourself by having these coverages.
An SR-22 may also be added to your BroadForm Insurance policy if your license was suspended and you need to show the Department of Licensing you have insurance.
Mid-Columbia Insurance: Your Spokane WA Broad Form Insurance Specialists
Want to drive legal for less? You can! Call Mid-Columbia Insurance today at (509)783-5600 to speak to a friendly licensed insurance agent and get a Broad Form Insurance quote for Spokane WA.
October 19, 2022