It’s a specific type of auto insurance policy designed to provide you liability protection
and instead of providing coverage on a specific vehicle, the coverage applies to
a specific driver, thus “named driver”.
Can I fulfill my SR-22 requirement with a Broad Form?
Yes! A Broad Form policy provides you all the same liability coverages as a traditional
auto insurance policy and allows you to comply with the Financial Responsibility
Filing (SR-22) requirements–typically at a lower rate because you insure yourself,
not a specific vehicle or vehicles.
What’s the difference between a Broad Form and a
Non-Owner auto insurance policy?
If you own vehicles or have vehicles available for regular use in your household,
you don’t qualify for a non-owner auto policy and coverage is automatically excluded.
This is the greatest difference between broad form and non-owner. A broad form
policy affords you coverage in any owned or non-owned regular passenger vehicle not
used in business.