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Do you have a SR22? Need to get back on the road? With Vern Fonk, that’s no problem! We don’t work for a specific insurance company– we work for you, finding you the lowest cost Washington SR-22 auto insurance and the best Oregon SR22 auto insurance.

As a brokerage company, Vern Fonk has the ability to shop the best rate for you. Whether you need a conventional auto insurance quote, or high risk auto insurance quote, we can help.

What is an SR-22?

SSI Logo_WA_rgb-withpw_outlineSR22 is a document often required by a state’s Department of Motor Vehicles (DMV) proving that a driver is carrying the state’s required minimum amount of vehicle liability insurance.

An SR22 may be required for the following situations:

  • Unsatisfied Judgments
  • Major Convictions
  • License Suspensions
  • No Insurance Violations
  • No insurance at the time of an accident

Drivers who do not own a vehicle but still wish to reinstate their driving privileges may need to provide non-owner SR22 policy. Once an SR22 expires or is cancelled, Vern Fonk will issue an SR-26 certifying the cancelation of the policy.

Do I need a Washington SR-22 or an Oregon SR22?

Six states – Delaware, Kentucky, Minnesota, New Mexico, Oklahoma and Pennsylvania – do not require SR22 insurance. If a driver is required to carry SR22 and he or she moves to one of these six states, they must still continue to meet the requirements legally mandated by their former state.

All vehicles in Washington and Oregon must carry a minimum liability insurance policy. If a Washington driver has his or her license suspended, the driver must provide proof of financial responsibility by filing an SR22. This SR22 will certify the driver has the minimum amount of liability insurance for a certain period of time.

We Know the Washington SR22 Laws

Washington drivers are required to carry liability limits of at least $25,000 bodily injury per person, $50,000 bodily injury per accident, and $10,000 property damage.

Washington requires that an SR-22 endorsement be carried for thirty-six (36) consecutive months. If the policy is not renewed at least fifteen (15) days prior to expiration, a letter will be sent to the state, resulting in suspension of the driver’s license. Once the policy has been renewed, the state will reinstate the driver’s license. It is highly recommended that the insured renew their policy at least forty-five (45) days ahead of time.

There are two (2) ways to avoid having to obtain an SR-22 endorsement. A driver can make a deposit of $60,000 to the State Treasurer or obtain a surety bond through a surety company such as Vern Fonk that is licensed to do business in Washington and Oregon.

We Know the Oregon SR22 Laws

In the state of Oregon, the mandatory insurance law (ORS 806.010) states that every driver must insure his vehicle and that the minimum liability coverage is as follows:

  • Bodily injury & property damage – $25,000 each person, $50,000 every crash for injury to others; and $20,000 every crash for damage to others’ property;
  • Protection for personal injury – $15,000 per person;
  • Coverage for uninsured motorist – $25,000 per person; $50,000 bodily injury per crash.

By law, the driver is required, to keep the certificate active for 3 years dating from the end date of the suspension that required it, or for a period of 3 years plus 33 days from an uninsured conviction date.

If a driver must prove “future responsibility”, he must file an actual SR22 certificate at the DMV; it will be posted with his driving record. A driver cannot simply show his insurance card as proof. The insurance card will be required by Oregon law, to be present in a vehicle that is operated on Oregon freeways.

The DMV closely monitors compliance with SR22 requirements, and if the insurance lapses, the insurance company by law is required to notify the DMV of that fact and the driver’s license will be suspended.

How do I obtain an SR-22 from Vern Fonk?

If you are not currently insured with Vern Fonk, you’ll need to start by obtaining a free online SR22rate quote. After you complete your purchase, our Vern Fonk Washington and Oregon insurance agents will begin the process of filing the certificate on your behalf. If we need any additional information in order to complete the Oregon or Washington SR22 request, a Vern Fonk insurance agent will contact you.

If you prefer to speak to one of our Vern Fonk insurance counselors to get a free quote and buy a Washington SR22 insurance policy or an Oregon SR22 insurance policy, please call 1-800-654-SR22 begin_of_the_skype_highlighting 1-800-654-SR22 end_of_the_skype_highlighting.

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.