Maine Non Owner SR22 Insurance
When drivers in Maine want to reinstate their suspended driver’s license, they will need to purchase one of the following SR22 insurance insurance certificates:
- Maine owner or owner-operator SR22 insurance, for individuals who own a registered vehicle.
- Maine non owner SR22 insurance, for individuals who do not own a vehicle.
Individuals whose license has been suspended and who do not own a vehicle must purchase Maine non owner SR22 insurance for license reinstatement.
Maine non owner SR22 insurance is a liability only insurance policy that covers any car the policyholder borrows to drive on an occasional basis. Non owner SR22 policies do not include comprehensive or collision coverage. If the policyholder is involved in an at-fault accident, Maine non owner SR22 insurance serves as secondary insurance after the vehicle owner’s primary insurance has paid its maximum limits. SR22 non owner insurance policies only pay claims that exceed the vehicle owner’s primary insurance coverage.
Maine non owner SR22 insurance is purchased through an insurance provider licensed in the state of Maine, who files the non owner SR22 certificate with the Maine DMV to obtain reinstatement of the driver’s license. Then the SR22 policy is monitored by the insurance provider to ensure that it is kept current for the mandated time period – usually three years. If the policyholder allows their Maine non owner SR22 insurance to lapse or expire during that time, their insurance provider must immediately report it to Maine Department of Motor Vehicles by filing an SR26 form. The driver’s license will be suspended once again, and the process will have to be repeated in order to regain driving privileges.
Additional facts about Maine non owner SR22 insurance:
- It is written for one driver only
- It is liability only coverage – it does not include comprehensive or collision coverage
- It does not cover commercial or rental vehicles
- It does not cover household vehicles
- It is only for individuals who do not own a vehicle
If a Maine non owner SR22 insurance policyholder purchases a vehicle during the time period they must carry the insurance, their non owner SR22 certificate can be converted to an owner-operator SR22 certificate by insuring the vehicle and adding an SR22 endorsement. The premium will increase in most cases, depending on the vehicle that’s being insured.
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