Awhile ago, we got a note from the Washington DMV that Tim’s license would be suspended if he didn’t show proof of SR-22 insurance. (He had had his license suspended years ago when he couldn’t afford to pay a judgment against him for an accident.)
The thing is, we have SR-22 insurance. Also, Tim now has an Arizona license. So we were rather confused about just what was going on.
Tim called a few times. Once or twice, he opted to be called back… and wasn’t. And the other times he lost all hope after 20+ minutes on hold and hung up. Eventually, his efforts just stopped, as he decided he’d just deal with it in person when he went up there for his disability hearing. Probably not the most responsible choice in the world, but after all that hassle, it seemed easiest.
All this leads up to the call I got at 10 this morning, wherein Tim said we do not, in fact, have SR-22 insurance. He still couldn’t explain why Washington even had a say in the matter, since Arizona issued his license. But for whatever reason, it’s moot.
I called up our insurance agent and read her the riot act. We had SR-22 insurance with Progressive. So when I asked her for the exact same coverage through Farmer’s, I thought it was included. After all, she had all of our other coverage information.
Turns out that agents can see coverage levels but not something special like SR-22. (Shouldn’t that be a rather important factor to know???) I’m not sure how I was supposed to magically know this, but apparently I was.
And, of course, I should have asked. Even at the time, I almost double-checked. But I didn’t. Bad choice.
The agent was able to get the SR-22 coverage retroactively applied to our policy since it began back in August, which is something. But it was a huge hassle, and I was pretty upset. Both with the agent and with myself.
If I had asked, then we wouldn’t be getting a surprise $91.50 fee for the first six months of SR-22 coverage. (We already prepaid a year’s worth of coverage back in August.) We also would have been spared the time-crisis hassle of Tim going to the DMV, and my having to call around and figure things out.
Meanwhile, I suppose the upshot is that we are currently saving on a rental car until all this is figured out. But it’s inconvenient for Tim, who wants to visit with friends without having to wait for a good time to borrow the one car his parents are sharing.
It’s also a problem for when he wants to go to Seattle to see his friend Seth for the weekend. In a pinch, Seth can probably pick him up, though we’d definitely want to pitch some gas money his way. Still, it would be nice for Tim to have the independence to zoom around as necessary.
So, let this be a lesson to all of you who weren’t already smarter than me about this sort of thing. Always, always clarify. Even when you’re sure. Ask questions anyway.
I’m off to rest. This has been a trying day — and it’s only 2 p.m.