UltraCar Insurance agents are licensed in 33 states, and are ready to help if you have no car but need SR22 insurance (non owner SR22 insurance). You may have had a few issues in the past, such as driving without insurance, unpaid tickets, a DUI/DWI offense, an accident, driving after suspension, etc., and have lost your driving privileges. You’ve been told by the DMV that you’ll need to pay a reinstatement fee and obtain an SR22 certificate to reinstate your driver’s license. You’ve called a few companies, but since you don’t have a car and/or a valid driver’s license they can’t issue an insurance policy with the SR22 filing. So what can you do? First, you need to understand what an SR-22 is, why you’re required to carry it, and how it works.
When you own no car but need SR22 insurance, you’ll purchase a non owner SR-22 policy, which is a certificate of financial responsibility (also known as an AAMVA Uniform Financial Responsibility Form). It’s issued by an insurance company authorized to do business in your state, and the coverage must meet your state’s minimum insurance requirement. It is closely monitored for the duration of probationary period (usually 3 years). If there is any kind of interruption or lapse of coverage during that time, the DMV is notified immediately by your insurance company, which files a form SR-26. Upon receipt the DMV suspends the driver’s license once again.
No, you’ll often find out that they are indeed the most expensive, and that’s just a deceitful tactic to get you to call them!
The cost depends on several factors, such as age, driving record, general area where you live, and credit history. In general, a non-owner SR-22 is a cheaper alternative to a regular auto insurance policy, and some states allow you to have them separately.
No, most SR22 policies come in six or twelve month increments. You always save the most by paying in full, and there is a reduced chance of the policy lapsing for non payment of the premium.
Definitely not. An SR22 non-owner policy is not designed for that purpose. All vehicles must be insured, and it is your responsibility to know the insurance status of any borrowed vehicle before operating it.
For more information that relates to no car SR22 insurance, visit these articles on our website:
So, drivers who own no car but need SR22 insurance should call UltraCar Insurance for a no obligation consultation with a knowledgeable, licensed agent and non owner SR22 insurance quotes.