There are two types of Maine SR22 insurance: SR22 owner and SR22 non owner certificates. With UltraCar Insurance you are guaranteed competitive rates from leaders in the insurance industry. You don’t have to spend hours shopping and comparing – we provide Maine SR22 insurance quotes with low rates to you. UltraCar Insurance can issue and file your SR22 certificate with the Maine Department of Motor Vehicles in as little as 20 minutes.
Maine SR22 insurance is coverage required by the state to reinstate a driver’s license after suspension or revocation. SR22 is a certificate attached as a rider to a primary insurance policy. It is a guarantee that the minimum liability insurance coverage required by the state will be kept in force for a specific time period. When a SR22 insurance policy is purchased, the insurance provider files the SR22 certificate with the Maine DMV. Maine SR22 insurance is high risk insurance that can be purchased as liability insurance only, or with collision and comprehensive coverage. It is typically required to be carried for three to five years. During this probationary period your insurance provider must monitor the SR22 policy. If it lapses, expires or is cancelled, the DMV will suspend driving privileges again.
There are various reasons a driver may lose driving privileges. Individuals who drive without the mandated liability insurance coverage may have their driving privileges suspended. Drivers who accumulate too many points against their record can also have their driving privileges suspended. Other circumstances can also result in suspension or revocation of driving privileges, such as a child support or neglect case or legal judgment against the driver.
Drivers who do not own a vehicle can have their driving privileges reinstated by purchasing non owner Maine SR22 insurance. A non owner SR22 policy acts as secondary insurance to a vehicle owner’s primary insurance. This type of insurance plan only covers vehicles owned by another individual that the SR22 policyholder drives on occasion. A non owner SR22 policy does not cover rental or commercial vehicles, or vehicles in the household where the SR22 policyholder resides. See our Maine Non Owner SR22 Insurance page for more information.
Minimum Auto Liability Insurance Requirement in Maine:
More Information can be found at the Maine DMV Website.
Whether you need owner or non owner Maine SR22 insurance, depend on UltraCar Insurance to quickly find the best rate to suit your needs. We look forward to helping you. Call us or submit your request using our secure online form.
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.