Filing a Minnesota non owners insurance certificate allows you to reinstate your suspended license when you don’t own a vehicle. Depending on the offense, you may have a waiting period before the state grants license reinstatement. In the case of DUI offenses, there is usually a 30-day to 180-day waiting period for reinstatement after you pay all fines and fees.
Reasons you may have to carry SR22 insurance
- Driving without insurance coverage
- Refusing to take a breath or blood alcohol test
- DUI or DWI offenses
- Too many points against a driver’s DMV record
- Child support or neglect cases
- Legal judgments
How Minnesota Non Owners Insurance Works
Non-owner insurance is a financial responsibility form (SR22 certificate) you must file with the Minnesota Department of Public Safety (Driver and Vehicle Services) as a condition for license reinstatement. Your insurance provider attaches this form to a non-owner insurance policy. The SR22 non-owner certificate guarantees the state you will maintain the minimum required liability insurance for a future period of time. Most people who require Minnesota SR22 insurance will have to carry it for three to five years.
The company that issues your SR22 insurance policy monitors its status to ensure it doesn’t lapse. If it does, your insurance provider must notify the Minnesota DPS by submitting an SR26 form, immediately suspending your license again.
Non-owner insurance is a secondary, liability-only policy for drivers who do not own a vehicle. Secondary insurance coverage insures you when you drive a car another person owns. If you have an accident where you’re at fault, the vehicle owner’s primary insurance pays claims until it reaches its coverage limits. If claims exceed the vehicle owner’s coverage, your non-owner insurance pays those claims.
Limitations of non-owner insurance
- It only insures people who don’t own a vehicle
- Written to cover one person only
- It does not cover household vehicles, rental vehicles, commercial vehicles
- Will not cover employment-related vehicles
- It does not cover the non-owned vehicle you drive or passengers in that vehicle
Learn more about non owners insurance:
- What is non owners SR22 insurance?
- Non owner insurance coverage
- Non owner SR22 insurance companies
- Cheap non owners SR22 insurance
UltraCar Insurance provides fast Minnesota non-owners insurance quotes at affordable rates and no filing fee. Call to talk with one of our licensed agents today, or click to start an online quote now!
