It is illegal for Alabama residents to drive without the minimum liability insurance coverage required by the state, even for residents who do not own a vehicle. Individuals who have had their license suspended and do not own a vehicle must purchase non owner SR22 insurance Alabama to reinstate driving privileges. SR22 insurance is a requirement for Alabama license reinstatement, and further, it serves as assurance to the state that if the individual drives a non owned vehicle, he/she is properly insured in case of an at fault accident.
You will need to select an insurance provider who will submit a non owner SR22 insurance filing with the Alabama Department of Motor Vehicles. The SR22 certificate will need to be kept in force for a mandated period of time, typically three to five years, depending on the circumstances. It is crucial to keep your non owner SR22 insurance Alabama premium payments current at all times during the required time period. Allowing it to lapse or cancel will result in suspension of your driver’s license again. Your insurance provider is required to notify the Alabama DMV if at any time your non owner SR22 certificate becomes invalid. This is done by submitting an SR26 filing to the Alabama DMV. During the time you are required to carry SR22 insurance, if you originally purchased Alabama non owner insurance and later buy a vehicle, you will need to change to an owner SR22 policy.
Non owner SR22 insurance Alabama is not a substitute for primary auto insurance. It is secondary insurance that covers you when driving a non owned vehicle. It covers claims over and above the vehicle owner’s insurance coverage limits in the event of an accident that is your fault. Before getting behind the wheel of any vehicle it is very important that you confirm that the vehicle is properly insured in accordance with Alabama state law. An Alabama non owner SR22 policy is liability only coverage, meaning that it does not include collision or comprehensive coverage. It does not cover rental vehicles, commercial vehicles or vehicles within the policyholder’s household. It only covers the policyholder when driving a non owned vehicle on an occasional basis.
UltraCar Insurance looks forward to providing you with competitive non owner SR22 insurance quotes. We always maximize your savings on non owner SR22 insurance Alabama by comparing the rates of top insurance companies. Submit our secure online quote form, or give us a call today!