Residents who don’t own a vehicle will need to purchase non owner SR22 insurance Idaho to reinstate their suspended license. Auto liability insurance laws protect drivers and their passengers when they get into an accident. The state imposes penalties such as fines and license suspension on drivers who don’t carry minimum liability insurance coverage on their vehicles. The state can require drivers to carry SR22 insurance after a license suspension for traffic violations and other circumstances.
Reasons for SR22 insurance
- Driving without insurance
- Too many points against your driving record
- At-fault and uninsured accidents
- DUI / DWI convictions
- Refusing to take a breath or BAC test for DUI
- Child support or neglect cases
- Court orders
How to get non owner SR22 insurance Idaho
You’ll purchase this insurance from an authorized non owner SR22 insurance company licensed in Idaho. You can look for a company locally or online. The agent will write you a non-owner insurance policy with an SR22 attachment and file with the Idaho Division of Motor Vehicles. After you pay any fines or fees, this filing allows you to reinstate your driving privileges.
Because SR22 guarantees your financial responsibility, the insurance company monitors it to ensure it stays active for a specific time. The state typically requires you to carry high-risk insurance for 3 to 5 years. Your insurance provider must immediately notify the Idaho DMV if your policy lapses by filing an SR26 form. This filing results in re-suspension or revocation of your license. Maintaining your Idaho non-owner SR22 insurance policy for the required time is crucial to avoid another license suspension.
What does this type of insurance cover?
Non-owner insurance coverage is liability-only coverage that protects you when occasionally driving a non-owned vehicle. It is secondary to a vehicle owner’s primary auto insurance coverage. If you’re responsible for an accident, your non-owner SR22 insurance will pay claim amounts after the vehicle owner’s primary insurance reaches its coverage limits.
The only claims non-owner insurance pays are those the other party in the accident makes. It will not cover damage to the borrowed vehicle you were driving or passengers in the car. Therefore, verifying that the owner carries insurance is essential before driving any borrowed car. Non-owner SR22 policies have limitations:
- Coverage does not extend to vehicles that others in your household own
- Non-owner policies do not cover rental, commercial, or employment-related vehicles
Other Considerations
Broad Form Vehicle Insurance is a less expensive option for non-owner SR22 insurance in Idaho. However, it is extremely limited in scope and may not suit your needs.
What if you buy a vehicle while you’re carrying non-owner SR22 insurance? You must contact your insurance provider to switch to owner-operator SR22 Insurance Idaho to continue complying with your requirements.
The Idaho DMV website has more information about SR22/SR26 insurance filings and Idaho license reinstatement.
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