Driving without liability insurance can result in suspension of your license, requiring you to purchase SR22 insurance Utah for license reinstatement. Utah requires all drivers to carry minimum liability insurance coverage. This is to ensure that they’re financially responsible for injury or damage caused by their driving errors.
Reasons you may need SR22 insurance Utah:
- Uninsured or under-insured driving
- Refusal to consent to a DUI test
- DUI or DWI offenses
- Drug offenses
- Excessive points on your Utah DPS record
- Legal judgments
- Child support matters
After a license suspension, Utah requires you to obtain SR22 insurance Utah, a type of high risk insurance, as a condition for reinstating your license. SR22 insurance is a financial responsibility form that’s an endorsement to your auto insurance policy. When you purchase an SR22 certificate, your insurance provider files it with the Utah Department of Public Safety (DPS). The company that issues your policy monitors it during the time the state requires you to carry it (three to five years). If you let the policy lapse during that time, the insurance company submits an SR26 form to the DPS, resulting in another license suspension. To regain driving privileges again, you must go through the reinstatement process again, which involves payment of additional fines and fees.
What if you don’t own a car?
If you have no car but need SR22 insurance, you’ll need non owner SR22 insurance Utah to reinstate your license. A non owner SR22 policy serves the same purpose as an owner SR22 policy. But instead of endorsing an auto policy, the SR22 certificate endorses a non-owner insurance policy. It covers you when you drive a borrowed car on an occasional basis.
You’ll find more details about obtaining a regular limited license or a DUI-related limited license on the Utah DPS website.
A number of factors determine SR22 insurance costs. UltraCar Insurance will help you get the lowest rate possible. Call us today with your questions or concerns or click the quote button for online quotes!
