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

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.