If you don’t own a vehicle and want to reinstate your license, the state will require you to obtain an Ohio non owner SR22 policy. You must file a non-owner SR22 certificate with the Ohio Bureau of Motor Vehicles as a condition for driver’s license reinstatement.
Situations that may require Ohio non owner SR22 insurance
- Reckless driving
- Refusal to consent to a DUI or DWI test
- DWI or DUI offenses
- Uninsured accidents
- Driving without the required auto insurance coverage
- Legal judgments
- Unpaid child support
How does non-owner insurance work?
When you are eligible to apply for a restricted license, you’ll select an insurance provider like UltraCar Insurance. An agent will write you a non-owner insurance policy with an SR22 attachment. Your insurance provider then files the attachment with the state. The issuing insurance company monitors your policy status while the SR22 requirement is in effect. This filing allows you to drive on a limited basis. Ohio non owner SR22 insurance must remain in effect for 3 years. If your SR22 policy lapses, expires, or is canceled during this time period, your insurance provider immediately notifies the Ohio BMV by filing an SR26 form. The BMV then suspends your driver’s license again.
Limitations of non-owner insurance
Non-owner SR22 is high-risk insurance with liability-only coverage. It covers you when occasionally driving a non-owned vehicle. Because non owner insurance coverage protects a person, not a vehicle, it cannot include comprehensive or collision coverage. Non-owner SR22 insurance does not cover you when driving the following types of vehicles:
- Frequently driven vehicles owned by another individual
- Vehicles owned by anyone in your household
- Commercial vehicles
- Rental cars
- Vehicles owned by your employer
A non-owner policy is secondary, meaning it pays claims that exceed the coverage limits of the vehicle owner’s primary insurance. SR22 insurance does not cover damage to the vehicle you borrow to drive. It covers you against personal injury and property damage claims from other parties involved in an at-fault accident.
Another type of SR22 policy that Ohio drivers can purchase for license reinstatement (whether they own a vehicle or not) is Broad Form SR22 Insurance.
Learn more about Ohio license suspensions and reinstatement on the Ohio BMV website.
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