If you commit certain motor vehicle offenses, the state of Indiana may suspend or revoke your license. When you don’t own a vehicle, you’ll need to buy non owner car insurance in Indiana to reinstate your driving privileges after a license suspension. Your insurance provider will issue a non-owner insurance policy with both an SR50 and an SR22 endorsement.
These documents are filed with the Indiana Bureau of Motor Vehicles (BMV) to initiate license reinstatement. The Indiana SR50 certificate proves that you are currently properly insured, while the Indiana SR22 certificate guarantees that you will remain properly insured for a specified period. In most cases, the state requires drivers to carry SR22 insurance for three years. The length of time can vary from case to case, so you should contact your local Indiana BMV office to find out how long you will be required to maintain non owner insurance coverage.
Why do people need non owner car insurance in Indiana?
- DUI or DWI offenses
- Too many points against a driving record
- Uninsured accidents
- Failure to take a breath or blood test
- Child support or neglect cases
- Court judgments
How does SR22 / SR50 insurance work?
Non owner car insurance in Indiana is high-risk car insurance that drivers with a license suspension must maintain to reinstate their driver’s license. Indiana SR22/SR50 non owner insurance covers you when driving a borrowed vehicle. It is secondary to a vehicle owner’s primary insurance coverage. This means that if you are at fault in an accident, your non owner insurance will cover claims that exceed the vehicle owner’s primary insurance coverage.
If you’re covered by a non-owner SR22/SR50 insurance policy and buy a vehicle later, you’ll need to switch to an owner-operator policy if you’re still required to have this insurance.
Limitations of non-owner insurance:
- The policy is written for one driver only
- You won’t be covered when driving commercial, rental, or employment-related vehicles
- It does not cover you if you drive vehicles owned by others in your household
- The only claims covered are those made by the other party involved in an accident in which you’re at fault
- Neither the vehicle you’re driving nor the passengers in that vehicle are covered
Additional information about license suspension and reinstatement is available on the Indiana BMV website.
UltraCar Insurance offers quick Indiana non-owner SR22 and SR50 insurance quotes at low rates. We survey top insurance companies to find the best rate possible for your needs. Call or get an online quote today for a low rate on non owner car insurance in Indiana!
If you own a vehicle and need Indiana SR22 insurance, see Indiana SR50 Insurance.
