If you commit certain Indiana motor vehicle offenses, the state may suspend or revoke your license. If you do not own a vehicle, you must purchase non owner car insurance Indiana with an Indiana SR50 and SR22 attachment to obtain license reinstatement. Your insurance provider will notify the Indiana Department of Motor Vehicles by submitting a non owner Indiana SR50 and SR22 insurance filing. Filing a non owner Indiana SR50 certificate proves that you are presently properly insured, and filing a non owner Indiana SR22 certificate guarantees the Indiana DMV that you will remain properly insured for a specified period of time.
Non owner car insurance Indiana is a type of high risk insurance that drivers who do not own a vehicle must purchase to reinstate their driving privileges. Indiana SR22/Indiana SR50 non owner insurance covers any non owned vehicle you drive on occasion. Non owner car insurance Indiana is secondary to a vehicle owner’s primary insurance coverage. This means that if you are at fault in an accident, your non owner SR22/SR50 insurance will cover claims that may remain after the vehicle owner’s primary insurance has paid its maximum limit. If you purchase a vehicle during the time you are required to maintain Indiana SR22/SR50 non owner insurance, you will need to switch to an owner-operator SR22/SR50 policy.
In most cases you will be required to carry non owner car insurance Indiana for three years. The length of time can vary from case to case, so you will need to contact your local Indiana DMV office to determine how long you will be required to maintain your non owner SR50/SR22 insurance policy.
Some offenses that can require drivers to carry non owner car insurance Indiana include:
- DUI or DWI offenses
- Too many points against a driver’s record
- Uninsured accidents
- Failure to take a breath or blood test
- Child support or neglect cases
Facts about SR50/SR22 non owner car insurance Indiana:
- The policy is written for one driver only
- It does not cover commercial vehicles
- It does not cover rental vehicles
- It does not cover vehicles in the driver’s household
- It is a liability only policy and does not include comprehensive or collision coverage
UltraCar Insurance provides quick non owner SR22/SR50 insurance quotes with reasonable rates. When you need SR22 non owner car insurance Indiana, we begin surveying top insurance companies to find the best rate for you. Use our secure online form to submit your request, or give us a call today!