No Car SR22 Texas is a financial responsibility form the state requires to reinstate a suspended driver’s license. In many cases, people who don’t own a car still have a driver’s license – for identification, to drive a borrowed car, or other reasons. When the state suspends your license, you’ll have to file a Texas non-owner SR22 certificate with DPS to reinstate it.
The most common reason people have to carry No Car SR22 Texas insurance is license suspension due to traffic tickets or DUI convictions. However, another reason people file an SR22 is to comply with a court order or legal judgment.
How does SR22 insurance work?
After your license is suspended, the state requires you to have SR22 insurance, even if you don’t own a car. Carrying No Car SR22 Texas insurance is proof of financial responsibility. A guarantee that you have the minimum liability insurance coverage the state requires if you drive a borrowed vehicle.
While you’re required to have SR22 insurance, you must maintain the policy without lapse for the time mandated by the state. If you miss a payment or don’t renew, the state will suspend your license again.
What does No Car SR22 Texas insurance cover?
A non-owner policy is liability-only insurance. If you cause an accident while driving a borrowed car, it pays claims made by others for bodily injury and property damage. The insurance someone carries on their vehicle is primary insurance. Non-owner insurance is secondary coverage. If a vehicle owner’s insurance coverage is not sufficient to pay claims, your No Car SR22 Texas insurance pays them.
Non owner insurance coverage does not pay to repair or replace any vehicle you borrow to drive. Therefore, it’s essential to verify that the owner of any car you drive has primary insurance coverage.
How do I buy a non-owner SR22 certificate?
Once you complete the state’s requirements for reinstatement, you can buy an SR22 policy and certificate. We quickly file your document with the Texas DPS, allowing you to reinstate your driving privileges.
You can find non owner SR22 insurance companies online that offer non-owner policies with an SR22 endorsement. You will want to work with an insurance provider that is reputable and licensed in the state. UltraCar Insurance has provided No Car SR22 Texas for many years. We offer cheap non owners SR22 insurance quotes from top-rated carriers.
How much does No Car SR22 Texas insurance cost?
Several factors determine the amount you’ll pay for your SR22 non-owner insurance policy. A few of the primary considerations are:
- Your prior driving record
- Where you live
- The reason for your SR22 requirement
Texas DPS
The Texas DPS website contains more details about reinstating a driver’s license.
This page – What is a financial responsibility insurance certificate (SR22) – has information about:
- Minimum liability amounts
- Financial responsibility
- Authorized insurance providers
- Canceled, terminated or lapsed SR22
- License reinstatement requirements
- Driver eligibility status
When you have no car but need SR22 insurance, talk with an UltraCar Insurance agent. They’ll give you a quick, competitive quote and fast filing of your No Car SR22 Texas certificate. Start a quote online, or call us today!
This article was last updated on February 11th, 2020 by UltraCar Insurance
