When your driver’s license is suspended, you will be required to carry Missouri SR22 insurance to regain driving privileges. If you are seeking Missouri license reinstatement and do not own a vehicle, you will need to purchase Missouri non owner SR22 insurance. A non owner SR22 certificate is a liability-only insurance policy; it does not include comprehensive or collision coverage. It is written to cover any non owned vehicle that you occasionally borrow to drive.
When you purchase Missouri non owner SR22 insurance, your insurance provider completes an SR22 filing with the Missouri Department of Motor Vehicles. The insurance provider monitors the policy closely so that the Missouri DMV can be assured that you are covered by the proper amount of liability insurance and maintain it during a specific time period assigned by the DMV. Missouri non owner SR22 insurance is required to be carried for three years in most instances. It is very important for your non owner SR22 insurance to be kept in force without any lapse or cancellation during the time period assigned. If a lapse in coverage occurs, the insurance provider immediately notifies the Missouri DMV by filing an SR26 form, resulting in a repeat license suspension.
Missouri non owner SR22 insurance serves as secondary insurance that covers you for an at-fault accident while operating a borrowed vehicle. In the event of an accident, the vehicle owner’s primary insurance is first responsible for paying the accident claims. If claims exceed the vehicle owner’s insurance policy limits, your non owner SR22 insurance policy then pays claim amounts that exceed those limits.
Facts about Missouri Non Owner SR22 Insurance:
- This insurance does not cover individuals who own a vehicle
- This policy can only be written for one individual
- It is a high risk insurance policy
- It is a liability-only policy
- It does not cover household vehicles
- It does not cover rental or commercial vehicles
- It does not include comprehensive or collision coverage
Offenses or circumstances such as those listed below can result in a Missouri non owner SR22 insurance requirement:
- Uninsured accidents
- Failure to consent to a DUI or DWI test
- DUI or DWI offenses/convictions
- Too many points against a driver’s DMV record
- Child support
- Legal judgments
UltraCar Insurance works with top companies provide quick competitive non owner SR22 insurance quotes. Our agents will find a Missouri non owner SR22 insurance policy and rate to suit your needs. Submit our secure online form, or give us a call today!