It’s illegal in Alabama to drive without minimum liability insurance coverage, even if you don’t own a vehicle. Non-owner SR-22 insurance in Alabama is for drivers who don’t own a car but want to, or are required to, insure themselves when occasionally driving a borrowed car.
If your license is suspended and you don’t own a vehicle, you may need non-owner SR22 insurance in Alabama to reinstate your license. The Alabama Law Enforcement Agency (ALEA) Driver License Division requires SR22 insurance for many license reinstatements in Alabama. It guarantees the state that if you drive a borrowed vehicle and cause an accident, you have adequate insurance.
How to get non-owner SR22 insurance in Alabama
You’ll select an insurance provider to write a non-owner policy with an SR22 attachment. They will file your certificate with the Alabama Law Enforcement Agency (ALEA) Driver License Department. You’ll have to keep the policy in force for a specific time, depending on the circumstances of your suspension. Follow ALEA’s specific coverage-until date. Keep non-owner SR-22 insurance payments current at all times while you’re required to have it. Your insurance provider will notify the ALEA if your policy becomes invalid, and your license will be suspended again.
What if I buy a car later?
If you originally purchase an Alabama non-owner policy and want to buy a vehicle later, contact your insurance provider first for a quote on an owner-operator SR22 policy to see whether you can afford the increased premiums. You must change your non-owner policy to an owner-operator SR22 policy to remain in compliance with your SR22 insurance requirement.
Non-owner insurance coverage
Non-owner insurance covers you when you drive a non-owned vehicle on an occasional basis. A non-owner policy is not a substitute for a vehicle owner’s auto insurance. So it’s good practice to confirm that the owner of any vehicle you drive insures it. If you cause an accident, your insurance covers claims that exceed the vehicle owner’s insurance coverage limits. If the vehicle owner does not have insurance coverage, a non-owner policy may or may not cover damage to that vehicle.
Alabama non-owner insurance is liability-only coverage. Because you are not insuring a vehicle, it cannot include collision or comprehensive coverage. Non-owner insurance has limitations and exclusions that vary by insurer and policy. In many cases, however, non-owner insurance may not cover you when driving the following vehicles:
- Rental vehicles
- Commercial vehicles
- Vehicles owned by others in your household
- Employment-related vehicles
Find out more about Alabama Mandatory Liability Insurance on the Alabama ALEA/Driver License Division website. The ALEA website lists fees for Alabama license reinstatement, crash reports, and driver records.
If you need to buy SR22 insurance without a vehicle, UltraCar Insurance offers low rates and competitive non-owner SR22 insurance quotes in Alabama. We maximize your savings by comparing rates from top insurance companies. Click the quote button to get started, or call us today!
