Now the real issue here is I do not have insurance, I was borrowing a car from my boyfriends cousin because my truck is out of commission. I hadn't established insurance on it yet for myself nor did he have insurance because he doesn't drive it.
You're about to encounter financial and legal issues.
Driving an uninsured motor vehicle isn't tolerated anywhere in the USA.
I suggest you seek legal assistance ASAP.
The awesome power of your state government will exact immense tribute from you.
If you can't AFFORD insurance, utilize Sam and Dave, your left and right foot.
The owner of the uninsured vehicle you borrowed is gonna receive a very expensive surprise.
Good luck.
Washington's financial responsibility law requires uninsured drivers and vehicle owners to be responsible for collision damages if there is a reasonable possibility that a court will make a judgment against them. The law applies only to collisions that meet
all of the following conditions:
- There was damage to any one person's property of at least $1000, or any bodily injury.
- A driver involved in the collision was uninsured.
- There is a reasonable possibility that a court judgment would be filed against the uninsured driver or vehicle owner.
You were an uninsured driver or the owner of an uninsured vehicle that was involved in a collision that met all 3 of the conditions listed above.
To prevent your license from being suspended, give us
one of the following within the 60 days before the suspension goes into effect:
- Proof that the driver or the vehicle had insurance in effect at the time of the collision.
- A signed release from everyone involved in the collision indicating they won't hold you responsible for damages resulting from the collision.
- A copy of a written agreement with everyone seeking reimbursement for damages. The agreement must include the settlement amount and must be signed by everyone making the agreement.
- Proof that security in the amount of damages from the collision has been deposited. This option also requires you to give us proof of financial responsibility for the future, usually with a SR-22 Insurance Certificate.
- A certified copy of a civil court decision showing that you weren't liable for claims.
- You can't drive as long as your license is suspended.
- You can't apply for a driver license or instruction permit as long as your license is suspended
- Any Washington license or instruction permit you currently have is no longer valid. You must take it to any driver licensing office or mail it to:
- Driver Records
Department of Licensing
PO Box 9030
Olympia WA 98507-9030
During this suspension:
- You may not apply for a Washington driver license.
- You may not drive in Washington with a license from another state or province.
The suspension remains in effect for 3 years from the collision date.
You may be eligible for an
Occupational/Restricted License during this suspension.
You may request a hearing within 20 days from the date on your suspension letter. The suspension letter we sent to you includes a form to request an appeal of the suspension. For more information, see
How to request a hearing.
The Hearings Officer will consider the following:
- Whether you were the driver or the owner of the vehicle.
- Whether the accident resulted in property damage of more than $1000 or personal injury.
- Whether an exception listed in RCW 46.29.080 applies.
- Whether there is a reasonable possibility that a civil court judgment could be entered against you, and whether you have deposited enough security to satisfy such a judgment.
For more information about appealing or contesting your suspension, please see
Hearings.
You can reinstate your license at any time by complying with any of the options listed in the "How can I prevent my license from being suspended?" section above. Contact us for specific information about reinstating your license.
Note: Remember to keep your address current with us so we can notify you of any changes to your driving status. Submit a
Washington Driver License/ID Card Change of Address form within 10 days of moving.
There may be other issues you'll need to take care of to get your license back. To find out what you need to do, see
Learn how to reinstate your license.
RCW 46.29: Financial responsibility
Call us: 360-902-3900 (TTY: Call 711)
dol.wa.gov
It's illegal to drive a car in Washington without having liability insurance or another way to assume financial responsibility for damages. Learn what's required and how to provide proof.
- If you drive your car without purchasing the required insurance, you could receive a fine of $550 or more.
- If you're at fault in a collision and don't have insurance, your license may be suspended if you fail to pay the resulting damages and/or injuries.
If you drive a vehicle that is registered in Washington State, you must have one of the following:
Motor vehicle insurance
Self-insurance
Certificate of deposit
Liability bond
You don't need to have insurance when you operate a vehicle registered as any of the following:
When you drive a vehicle in Washington that's registered in another state, you must have the type of insurance required by that state. You must be able to provide proof of this insurance to law enforcement if requested.
call Phone: 360-902-3900
(TTY: Call 711)
dol.wa.gov
