What situations require getting a cross-state SR22 without a car? Consider the following case: Your state requires you to have SR22 insurance for a specific reason (such as driving without insurance). You don’t own a car, so you get a non-owner insurance policy with an SR22 filing. Now, what happens if you move to a different state? In this case, you’ll need to get a cross-state SR22 without a car to stay in compliance with the original SR22 requirement.
What is cross-state SR22 insurance?
When a state requires you to have non-owner SR22 insurance, it’s essential to keep it current for the assigned time. The purpose of getting cross-state SR22 without a car is to keep your SR22 obligation current when you move to another state.
You’ll need an out-of-state filing if your current state’s SR22 requirement has not yet expired. One thing is sure. It’s not a good idea to cancel your current SR22 insurance policy if you move out of state. Most states require you to keep SR22 insurance for three years. That requirement doesn’t end if you have an SR22 and move to another state. So, if you relocate and don’t own a vehicle, you’ll need to get cross-state SR22 insurance without a car.
What happens if you move to another state and don’t get an out of state SR22 filing? If you cancel your current SR22 insurance prematurely, that state will suspend your license. Having a suspended license will hamper your ability to get one in your new state.
How do I get cross-state SR22 without a car?
Following are steps you can take before you move to avoid a lapse of your current non-owner SR22 policy:
- Contact your insurance provider to notify them of your change of address.
- You will usually receive a cancellation notice from the underwriter when the change of address is processed. Still, you’ll get at least 30 days’ notice before the insurance company cancels your policy.
- Find out if your insurance provider is licensed in the state where you’re moving and can do a cross-state filing.
- The insurance carrier will write a non-owner policy in your new state. Then they’ll submit a cross-state SR22 filing without a car in your previous state. Not all insurance companies can do this, so it’s essential to plan ahead of time.
- You also want to allow a 4-5 day overlap to process the filing before canceling the original policy.
UltraCar Insurance operates in 34 states and can efficiently perform your cross-state SR22 without a car. We can help when you need an out-of-state SR22 filing or what to do when you have FR44 insurance and move out of state. Call us now for a free no-obligation consultation!