SR22 Insurance in Vermont
There are a variety of motor vehicle violations and other situations for which the State of Vermont will suspend or revoke a driver’s license and require them to obtain Vermont SR22 insurance to reinstate their driving privileges. Some of these include:
- Driving an uninsured motor vehicle
- Accumulating excessive points on a DMV record
- Drug and alcohol offenses (DUI or DWI)
- Refusal to take a breath or blood alcohol test
- Uninsured accidents
- Child support or neglect cases
- Legal judgments
Vermont State law requires all vehicle owners to carry a minimum amount of auto liability insurance. If a driver is pulled over or involved in an accident, the police officer will ask them to provide proof of insurance. If the driver fails to produce a current and valid insurance card, they will have their driver’s license suspended or revoked. To have it reinstated, they will be required to purchase a high risk insurance policy called Vermont SR22 insurance.
What is Vermont SR22 Insurance?
Vermont SR22 insurance is not a stand alone insurance policy, rather it is a certificate of financial responsibility rider that is attached to a driver’s auto insurance policy and filed with the Vermont Department of Motor Vehicles as a condition for license reinstatement. The SR22 insurance policy is filed with the Vermont DMV by the driver’s insurance provider, first as a means to reinstate the driver’s license – and then as a means to guarantee that the driver remains legally insured for a specified period of time by closely monitoring the status of the policy. If the driver allows the SR22 policy to lapse, expire or to be cancelled, the insurance provider will file an SR26 form with the Vermont DMV, resulting in their license being suspended once again and having to repeat the process to reinstate it.
What If I Don’t Own a Vehicle?
If your driver’s license has been suspended/revoked and you do not own a vehicle, you will have to purchase Vermont non owner SR22 insurance. It serves the same purpose as Vermont owner SR22 insurance – to allow reinstatement of your driver’s license. However, the SR22 non owner certificate of financial responsibility policy covers vehicles you drive on an occasional basis, and acts as secondary insurance to the insurance carried on a vehicle by the owner. For more information on the non owner SR22 option, see our Vermont Non Owner SR22 Insurance page.
Whether you need an owner or non owner SR22 policy, count on UltraCar Insurance to find the best rate possible. We value your business, and are here to help. Submit your inquiry using our secure online form, or give us a call today!
SR22 Insurance in Vermont
*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.