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Frequently Asked Questions

Below are some of our frequently asked questions. If you have any other questions or concerns, please feel free to contact us.

  1. What is a Broadform?
  2. What is Comprehensive Insurance (Other than Collision)?
  3. What coverage do I need if my car is leased?
  4. What is a lien holder or loss payee
  5. What is "liability only" insurance?
  6. What is "full coverage" insurance?
  7. What is SR-22 Insurance?
  8. What do you do in case of an automobile accident?
What is a Broadform?
Broadform insurance is insurance on your license.  You can drive any vehicle you own or that you have permission of the owner to drive as long as it is NOT registered to a business, used for a business, cannot be a motorcycle, Motorhome, cannot be over a 3/4 ton truck.  Broad form is secondary for any non-owned vehicle.  There is no coverage when someone other than you is driving a vehicle owned by you.  No physical damage coverage to any motor vehicle driven by you, whether owned or non-owned. No coverage for any vehicle used for racing, demolition, or stunting contest activities.

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What is Comprehensive Insurance (Other than Collision)?
Comprehensive insurance covers damages done to your car in some way other than a collision, such as if it were stolen or vandalized.  Flood, hurricane, theft, windshield damage and fire are also events usually covered by comprehensive car insurance.  Like collision, comprehensive will pay up to the fair market value of your car ( less your insurance deductible).  And although it is not legally required by any state, you will probably need it if your car is financed.

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What coverage do I need if my car is leased?
IF your car is leased your leasing company will require you to have collision and comprehensive coverage.  This coverage protects the vehicle in the event of a claim and since the leasing company technically owns the car, they will require you to maintain coverage.  Some leasing companies also require higher than minimum liability limits.  

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What is a lien holder or loss payee
The lien holder or loss payee is an entity that has a financial interest in the vehicle.  In most cases this is the bank or lending institution that has financed the loan on the vehicle that you make your payments to.

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What is "liability only" insurance?
"Liability only" insurance typically refers to a minimum coverage level that is required in most states.  Liability coverage pays for the damages to other people and property cause by you in an accident.

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What is "full coverage" insurance?
"Full coverage" insurance is a term that is often used to describe how much automobile insurance coverage someone has on their policy.  Although there is really no such thing as "full coverage", that term is intended to mean that the policy has more than just liability coverage and includes collision and comprehensive coverage.

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What is SR-22 Insurance?
SR-22 Insurance is a form that shows that you have auto insurance because you are a high risk driver.  It is the State's way of making sure you maintain auto liability insurance on your vehicle.  This form is required by the state for drivers that are high risk.  Here are some of the ways that the state may require you to have an SR-22 form:

DUI (Driving Under the Influence of drugs or alcohol)
Serious moving violations such as reckless driving
Racking up a lot of highway points in a short period of time
Causing an accident while not having any insurance
Being pegged as a habitual traffic offender

Regulations vary from state to state, but high-risk drivers usually have to carry SR-22 insurance for three years. 

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What do you do in case of an automobile accident?
Start by reporting the claim to your insurance carrier.  They will need to know:

When the accident occurred
Where the accident was (be specific as you can)
How the accident happened
What kind of vehicle or vehicles were involved ( year, make, and model)
Description of damage on each vehicle
Name and contact of people involved and witnesses
Name of the law enforcement agency that responded and the police report number, if police were contacted

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209 W Tacoma | Ellensburg, WA 98926 | Phone: 509.925.6108

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