When car or motorcycle owners want to reinstate their suspended driver’s license, they need to purchase Maine SR22 insurance – a certificate that’s endorsed to their auto insurance policy. However, people with a suspended license who don’t own a vehicle will need to carry Maine non owner SR22 insurance to regain their driving privileges.
Maine non owner SR22 insurance is liability-only insurance covering any non-owned car the insured drives on an occasional basis. SR22 non owner policies do not include comprehensive or collision coverage. If the policyholder is involved in an at-fault accident, their non owner insurance policy serves as secondary insurance after the vehicle owner’s primary insurance has reached its coverage limits. Non owner insurance policies only pay claims that exceed the vehicle owner’s primary insurance coverage.
Maine non owner SR22 insurance is purchased through an insurance provider licensed in the state of Maine, who files the non owner SR22 certificate with the Maine DMV to obtain reinstatement of the driver’s license. Then the SR22 policy is monitored by the insurance provider to ensure that it is kept current for the mandated time period – usually three years. If the policyholder allows their non owner SR22 policy to lapse or expire during that time, their insurance provider must immediately report it to Maine Department of Motor Vehicles by filing an SR26 form. The driver’s license will be suspended once again, and the process will have to be repeated in order to regain driving privileges.
Additional facts about Maine non owner SR22 insurance:
- It is written for one driver only
- It is liability only coverage – it does not include comprehensive or collision coverage
- It does not cover commercial or rental vehicles
- It does not cover household vehicles
- It is only for individuals who do not own a vehicle
If a non owner SR22 policyholder purchases a vehicle during the time period they’re required to carry the insurance, their non owner SR22 certificate can be converted to an SR22 owner certificate by insuring the vehicle and adding an SR22 endorsement (see SR22 Insurance Maine). The premium will increase in most cases, depending on the vehicle that’s being insured.
Get free, competitive Maine non owner SR22 insurance quotes from UltraCar Insurance, a leading company specializing in SR22 insurance. Submit our secure online form or call today and speak with one of our helpful agents!