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Broad Form Insurance

 

Many people have never heard about Broad Form Named Operator policies. One reason is that Washington is one of the few states that allow this kind of policy.

So, what’s different about Broad Form Named Operator Coverage?

Unlike most auto insurance, where you buy insurance on your specific car(s), Broad Form Named Operator Coverage provides insurance on a specific driver.

You pay the same amount whether you own one car, four cars, or even more cars. You don’t even have to call Vern Fonk when you buy, sell, or trade cars, because no cars are listed on your policy.

If you are looking to purchase Washington broad form insurance, call Vern Fonk or get an online quote today! The insurance counselors at Vern Fonk are well versed in broad form insurance and will find you competitive rates.

What Is Broad Form Insurance?

This type of car insurance provides coverage for employees, executives, or any other person who is supplied a company vehicle, but who does not own a personal vehicle, and thus does not have coverage under a personal auto policy. An endorsement may be added to the automobile policy of the company that furnishes the automobile to give protection while the named individual or spouse is driving a car borrowed from a third party.

Broad Form Named Operator Coverage satisfies the state insurance requirement by covering bodily injury or property damage you cause to others while YOU are driving a car, whether you own the car or not.

Understand that with broad form insurance there is no option to purchase physical damage coverage such as comprehensive and collision. Thus, if you were at fault in an accident, repairs to your car would not be covered, and in a total loss collision, you would not receive any payment from your insurer. Broad form insurance does allow the driver the option of purchasing personal injury protection and uninsured motorist coverage.

An SR-22 filing (for those who need to prove they have insurance to the state) can also be added to the Broad Form Named Operator policy.

Read Before Purchasing Broad Form Insurance from Vern Fonk
  • You, and only you, are covered while driving a car you own or have permission to use.
  • You are not covered if you let someone else drive a car you own. (But you will be held legally responsible)
  • You are not covered while driving a motorcycle, motor home, or while driving for business use.
  • You are not covered for any physical damage that happens to a car you own or drive.
  • If another policy provides coverage on the car you are driving, Broad Form Named Operator Coverage will be excess (secondary) of that coverage
Contact Vern Fonk for Washington Auto Insurance or Oregon Auto Insurance Today

Whether you need auto insurance,homeowner’s insurance, or business insurance in Washington or Oregon, call Vern

Fonk at 800-654-SR22 NOW or get an online quote. We’ll protect you when you’re behind the wheel of your car.

In Washington and Oregon, Vern Fonk has insurance offices in Aberdeen, Bellevue, Bellingham, Federal Way, Kent,

Kirkland, Lacey/Olympia, Lynwood, Mt. Vernon/Burlington, Oak Harbor, Port Angeles, Portland, Seattle, Silverdale,

Spokane, Tacoma, Vancouver, Wenatchee, and Yakima.