Non owner SR22 / FR44 are certificates of financial responsibility obtained for license reinstatement by persons who do not own a vehicle. There are instances when licensed drivers, while operating a vehicle they do not own, commit a motor vehicle violation or repeated traffic related offense that results in suspension of their drivers license. When this happens, they have to obtain non owner SR22 / FR44 insurance to reinstate their driving privileges. UltraCar Insurance specializes in providing both of these types of non owner insurance certificates.
In most states, a SR22 non owner insurance certificate is required for license reinstatement by people with non-alcohol related motor vehicle offenses and for DUI offenses. UltraCar Insurance offers non owner SR22 insurance in the following states:
Individuals who do not own an automobile or other vehicle must purchase FR44 non owners insurance for license reinstatement after a DUI or DWI offense. The only two states that currently require the FR44 insurance certificate for alcohol or drug related motor vehicle offenses are:
Non owners insurance without an SR22 or FR44 attachment is also available. This is for people who do not own a vehicle, but who want to carry liability insurance in case they cause a serious accident while driving a borrowed vehicle. It is not intended as a substitute for the insurance carried by the vehicle owner, but supplements the insurance on the vehicle, if needed. Non owner insurance also serves as evidence of continuous liability coverage (which shows personal financial responsibility on the part of the individual), and is required in the state of North Carolina to obtain a new drivers license.