What’s the Difference Between SR-22 Auto Insurance and Non-Owner Insurance?

There are notable differences between non-owner and SR-22 auto insurance coverage. Both insurance certificates serve the same purpose: helping drivers with suspended licenses get license reinstatement. However, the primary difference between them is that a non-owner SR-22 certificate is for drivers who don’t own a vehicle.

Let’s assume you occasionally borrow a friend’s car if necessary, but have a recent license suspension after multiple traffic violations. To be able to drive her vehicle legally again, you’ll need to file a non-owners SR-22 certificate to reinstate your license.

Should I Cancel My SR-22 Insurance If I Move To Another State?

Say you’re an SR-22 insurance certificate holder and moving to another state. In that case, you should not cancel your insurance policy or stop making payments. If you do, your current state’s DMV will suspend your license. When you have a suspended license in one state, that information is available to all other states, and they will not issue you a new driver’s license.

Most states require drivers to carry SR-22 insurance for three to five years. So continue making payments for the duration of your requirement. You’ll have to follow specific steps to ensure compliance when moving, and the solution is to get an SR-22 out-of-state insurance filing. Drivers with active SR-22 filings must contact their insurance providers before moving to another state so they can get a cross-state SR-22 insurance filing. Not every insurance provider can perform them, but UltraCar Insurance provides  SR-22 filings in 34 states, making it likely that we can help you.

When Do You Need SR-22 Insurance?

What are reasons for SR-22 insurance? States require drivers to carry SR-22 insurance when they want to reinstate their license after a suspension. People often get a license suspension if they accumulate excessive demerit points on their driving record within a specific time. Likewise, states will require drivers to carry SR-22 insurance if they drive without insurance or a valid license. Most states also require you to maintain an SR-22 filing if you have a license suspension for DUI or DWI. Florida and Virginia, however, use a separate insurance filing called FR-44 for alcohol and drug-related motor vehicle violations.

Other times people need SR-22 insurance are to comply with a court order or other legal judgment not related to motor vehicle violations.

What Does SR-22 Insurance Do?

SR-22 insurance is a financial responsibility form that proves you meet your state’s minimum mandated insurance coverage. Minimum coverage requirements vary somewhat between states. States want assurance that high-risk drivers have continuous liability coverage for a specific time as a condition for license reinstatement. Other reasons such as legal judgments sometimes require individuals to obtain SR-22 insurance.

Most states require every driver to maintain liability insurance to pay for bodily injury or property damage. SR-22 insurance must also include this minimum amount of coverage, but some states require SR-22 policyholders to have higher minimum coverage. The SR-22 insurance certificate is an endorsement to your insurance policy, which guarantees that you fulfill these state requirements.

Is SR-22 Insurance a Replacement for Auto Insurance?

Sometimes people have misconceptions about SR-22 insurance. A high-risk insurance certificate does not take the place of auto insurance. It’s a financial responsibility form that guarantees you meet your state’s minimum insurance coverage for license reinstatement. Your auto insurance policy backs up the SR-22 certificate you file with your state DMV.

Most drivers carrying high-risk SR-22 insurance have higher insurance premiums because their driving histories indicate they are more likely to submit claims.

What is SR-22 Insurance?

SR-22 is a high-risk insurance certificate states require to reinstate a suspended driver’s license. It’s also called an AAMVA Uniform Financial Responsibility Form. Drivers who need SR-22 insurance may have driving records with one or more violations that led to a license suspension. Other non-traffic-related issues may also require an SR-22 filing, even if you have a clean driving record. Forgetting to show up to court, pay a fine, or meet your child support obligations are other reasons people need to obtain high-risk insurance.

Attaching an SR-22 form to your auto or non-owner insurance policy and filing the form with your state DMV allows you to restore your driving privileges and get back on the road.

SR-22 insurance is available in two forms. Owner-operator policies are for vehicle owners, and non-owner or operator policies are for drivers who don’t own a vehicle.