If your license is suspended and you don’t own a vehicle, you’ll need non owner SR22 insurance Alabama to reinstate your license. It’s illegal in Alabama to drive without minimum liability insurance coverage, even if you don’t own a vehicle. SR22 insurance is required for Alabama license reinstatement, Further, it is a guarantee to the state that if you drive a borrowed vehicle, you’re properly insured if you cause an accident.
How to get non owner SR22 insurance 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 three to five years, depending on the circumstances of your suspension. It’s important to keep non owner SR22 insurance Alabama payments current at all times while you’re required to have it. Your insurance provider will notify the Alabama DOR 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 certificate and want to buy a vehicle later, contact your insurance provider to change to an owner SR22 policy. You must do this to remain in compliance with your SR22 insurance requirement.
Non owner insurance coverage
Non owner insurance coverage is secondary insurance that covers you when you drive a non owned vehicle. It is not a substitute for a vehicle owner’s auto insurance. If you cause an accident, your insurance covers claims that exceed the vehicle owner’s insurance coverage limits. Therefore, before driving any vehicle it’s important to confirm that the owner has properly insured it. Alabama non owner insurance is liability only coverage. Because a vehicle is not being insured, it cannot include collision or comprehensive coverage.
Non owner insurance only covers you when driving a non-owned vehicle on an occasional basis. It does 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 and see frequently asked questions about MLI on the Alabama DOR website. The ALEA website has more details about Alabama license reinstatement.
If you need to buy SR22 insurance without a vehicle UltraCar Insurance offers low rates and competitive non owner SR22 insurance Alabama quotes. We always maximize your savings by comparing the rates of top insurance companies. Click the quote button to get started, or call us today!