UltraCar Insurance can provide you with a non driver insurance policy if you do not own a vehicle. Individuals can purchase a non-owner insurance policy with or without an SR22 certificate. People mainly require an SR22 non-owner policy to reinstate driving privileges after a license suspension. A non-owner SR22 policy is a monitoring device between the state and the insurance company. It ensures that an individual maintains the insurance over a specific time in the future (usually three years). Generally, a non driver insurance policy contains only the state minimum liability insurance requirement. However, you can increase the coverage if needed.
What does non driver insurance cover?
A common misconception about non-owner auto insurance is that it acts as primary auto insurance when you borrow a vehicle. Non-owner insurance is not a substitute or replacement for primary auto insurance. The primary insurance carried by a vehicle owner is the first to pay claims if you cause an accident while operating their vehicle. A non-owner insurance policy is secondary insurance on any non-owned vehicles you occasionally use. Non driver insurance pays claim amounts that exceed a vehicle owner’s primary insurance coverage. Your non-owner insurance will not cover damages to the car you’re driving or injury to you or your passengers. It only protects against claims brought by another party involved in an accident.
What isn’t covered?
Non driver insurance does not cover:
- Vehicles in the policyholder’s household
- Rental or commercial vehicles
- Cars you drive in your employment
It does not include comprehensive or collision coverage. Because of these exclusions, the insurance premiums are generally less expensive than owner or owner-operator insurance. See our Non Owner Insurance Coverage page for additional information about limitations of non-owner insurance coverage.
UltraCar Insurance for Non-Owner SR22 Insurance
UltraCar Insurance issues non driver insurance policies in 34 states. We offer low SR22 rates with no filing fees, and we can usually file your certificate in less than 30 minutes. Start an online quote now or call for a no-obligation consultation with one of our experienced agents. Find out why UltraCar Insurance is your ultimate source for non-owner SR22 insurance!
