When you have a suspended license and don’t own a vehicle, you’ll need to purchase California non owner SR22 insurance for license reinstatement. It’s illegal to operate an uninsured vehicle in California. If caught driving without minimum liability insurance, you’ll face penalties, including license suspension. Each case may differ, so knowing your license reinstatement requirements is essential.California state law considers you insured if you have the registered vehicle owner’s permission and only drive occasionally. An exception to this is if you and the vehicle owner live in the same household. In this case, the vehicle owner must list you as a driver under their auto insurance policy.
What is non owner SR22 insurance?
California non owner SR22 is a financial responsibility form you purchase through a licensed insurance provider. The state requires you to carry it to reinstate your license. It’s also a guarantee of future insurance coverage. The certificate is attached to a non-owner insurance policy and filed electronically to the California DMV. The filing process for California non owner SR22 insurance usually takes one to two days. Once the filing is complete, the insurance underwriter monitors it to ensure your coverage stays in effect for the required time. If you let your policy lapse or cancel it, your insurance provider immediately notifies the DMV. In this case, the state will suspend your driving privileges again.
How does non-owner insurance work?
California non owner SR22 insurance is written when you don’t own a vehicle, but occasionally drive a non-owned vehicle. It is written in your name to cover you; it’s not written to cover a vehicle. “No car insurance” is secondary to a vehicle owner’s auto insurance. If you’re involved in an at-fault accident while driving a borrowed vehicle, your non owner SR22 policy pays claims if they exceed the owner’s insurance coverage. Before driving anyone’s vehicle, it is essential to confirm that the owner has insurance on it. Non owner insurance coverage is NOT primary insurance, and will not pay any claims if the owner has not insured their vehicle.
California DMV
For more information about financial responsibility insurance, see:
When looking for non owner SR22 insurance companies, depend on UltraCar Insurance to find the lowest rate that suits your needs. Our agents are licensed in California and quickly process your SR22 filing. Get affordable California non owner SR22 insurance quotes online, or call us today!
NOTE: If you own a vehicle, a California SR22 policy is what you need.
