It may seem strange to buy an insurance policy to drive a car if you don’t own a vehicle, but it’s a wise thing to do. Even if you don’t own a car, truck, or motorcycle,
FAQ Archives
This is the FAQ Archives for UltraCar Insurance. Your source for SR22 & FR44 Insurance.
What is a non owner policy?
Often, an SR22 or FR44 certificate is endorsed to a non owner policy to reinstate your license when you don’t own a vehicle. Non owner insurance covers only you, the policyholder. It provides limited liability insurance coverage when you drive a non-owned car. You can also purchase a non owner policy on its own, without an SR22 or FR44 rider. There are restrictions and exclusions to know about with this kind of insurance.
What are reasons for SR22 insurance?
The reasons for SR22 insurance are relatively consistent in each state. Most of the time, people need SR22 insurance to reinstate their license after a suspension for a motor vehicle violation. Another reason is to comply with a court order involving a civil case or child support matter. In all cases, SR22 insurance guarantees an individual’s future financial responsibility.
One of the most common reasons for SR22 insurance is to reinstate driving privileges after a license suspension or revocation. SR22 insurance goes beyond a state’s mandatory auto insurance laws. It guarantees that you’ll keep minimum liability coverage for a specific time in the future.
What is SR22?
What is SR22? It’s a high-risk insurance certificate you file with your state DMV to reinstate your driver’s license. However, before filing a certificate, you’ll need to complete all state requirements to be eligible for reinstatement. An insurance provider attaches the certificate to an auto insurance policy or a non owner insurance policy. Once the filing is processed, you can legally drive again, as long as your SR22 policy stays current. If your policy lapses before you complete your SR22 requirement, the state will suspend your license again.
What is SR22? Part of the license reinstatement process requires that you have a licensed insurance provider file an SR22 form with your state DMV. SR22 is also called a certificate of insurance or financial responsibility form.
