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Maine Non Owner SR22 Insurance

There are two types of SR22 insurance in the state of Maine:

  • 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 need to 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 policy holder borrows to drive on an occasional basis. The policy does not include comprehensive or collision coverage. Maine non owner SR22 insurance serves as secondary insurance after the vehicle owner’s primary insurance has paid its maximum limits. The SR22 non owner insurance then pays claims exceeding the primary insurance coverage.

Maine non owner SR22 insurance is purchased through a licensed insurance provider, who files the non owner SR22 certificate with the Maine Department of Motor Vehicles. The policy is then monitored by the insurance provider to ensure that it is kept current for a mandated period of time – usually three years. If the policy is allowed to lapse or expire during that time, the insurance provider must immediately report it to Maine Department of Motor Vehicles by filing an SR26 form. If this happens, 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 policy holder purchases a vehicle during the mandated time period, the vehicle can be added to the policy, converting it from a non owner policy to an owner policy. The premium will increase in most cases, varying in amount depending on the vehicle the driver has purchased.

You can obtain free multiple quotes for Maine non owner SR22 insurance from UltraCar Insurance, a leading company specializing in SR22 insurance.  Submit your inquiry using our secure online form or give us a call today!

Maine Non Owner SR22 Insurance

*UltraCar Insurance makes every effort to provide accurate and up to date information about SR22 insurance for each state in which we are licensed; however, we cannot guarantee total accuracy. If an error is discovered it will be corrected immediately.

Get your free Maine SR22 Insurance quote today!