You’ll need to get non owner SR22 insurance Wyoming if you have a suspended driver’s license don’t own a vehicle. You must file a Wyoming SR22 insurance certificate to start the process of license reinstatement. Wyoming requires drivers to maintain non owner SR22 insurance for three to five years. SR22 is a financial responsibility form your insurance provider attaches to a non-owner policy and files with the Wyoming Department of Transportation (DOT).
Non owner insurance coverage works differently than an owner SR22 policy, since you’re not insuring a vehicle. A Wyoming non-owner policy insures you against claims brought by the other party in an accident if you’re at fault. Non owner insurance is liability-only coverage that’s secondary to a vehicle-owner’s primary insurance. If you cause an accident while driving a borrowed vehicle, non owner insurance takes effect only if the vehicle owner’s insurance coverage exceeds its policy limits.
Facts about non owner SR22 insurance Wyoming:
- Only for individuals who do not own a vehicle
- Written for one person only – the policyholder
- Non owner insurance provides liability only coverage; you cannot add comprehensive or collision coverage since you are not insuring a vehicle
- Does not cover household vehicles
- Will not cover vehicles the policyholder can drive frequently
- Does not cover employment-related vehicles
- Will not cover commercial vehicles or rental vehicles
You’ll find additional details about Wyoming driver’s license reinstatement procedures on the Wyoming DOT website.
If you buy a vehicle during your SR22 requirement, first notify your insurance provider. You’ll need to convert your non owner policy to an owner policy, resulting in a premium increase.
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