Missouri Non Owner SR22 Insurance

When a driver’s license is suspended or revoked, the driver is be required to carry Missouri SR22 insurance in order to reinstate driving privileges. If the individual who is seeking license reinstatement does not own a vehicle, they will need to purchase Missouri non owner SR22 insurance. A non owner SR22 certificate is a liability-only insurance policy; it does not include comprehensive or collision coverage. It is written to cover any non owned vehicle that the policyholder occasionally borrows to drive.

When an individual purchases Missouri non owner SR22 insurance, their insurance provider completes an SR22 filing with the Missouri Department of Motor Vehicles. The insurance provider monitors the policy closely so that the Missouri DMV can be assured the driver is covered by the proper amount of liability insurance and maintains it during a specific time period assigned by the DMV. (Missouri non owner SR22 insurance is required to be carried for three years in most instances.) It is very important that the non owner SR22 insurance be kept in force without any lapse or cancellation during the time period assigned. If a lapse in coverage occurs, the insurance provider immediately notifies the DMV by filing an SR26 form, resulting in a repeat license suspension.

Missouri non owner SR22 insurance serves as secondary insurance that covers the driver for at-fault accident while operating a borrowed vehicle. In the event of an accident, the vehicle owner’s primary insurance is first responsible for paying the accident claims. If claims exceed the vehicle owner’s insurance policy limits, the non owner SR22 insurance policy then pays claim amounts that exceed those limits.

Facts about Missouri Non Owner SR22 Insurance:

  • This insurance does not cover individuals who own a vehicle
  • This policy can only be written for one individual
  • It is a high risk insurance policy
  • It is a liability-only policy
  • It does not cover household vehicles
  • It does not cover rental or commercial vehicles
  • It does not include comprehensive or collision coverage

Offenses or circumstances such as those listed below can result in an individual being required to carry Missouri non owner SR22 insurance:

  • Uninsured accidents
  • Failure to consent to a DUI or DWI test
  • DUI or DWI offenses/convictions
  • Too many points against a driver’s DMV record
  • Child support
  • Legal judgments

Experience the best in Missouri non owner SR22 insurance service with UltraCar Insurance. Submit your inquiry using our secure online form, or give us a call today!

Missouri 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.

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