Non owner SR22 insurance Arizona is financial responsibility form the state requires you to file for license reinstatement. It’s for drivers with a suspended license who don’t own a vehicle (why it’s called “non owner” insurance). If you need a non owner SR22 certificate, UltraCar Insurance will find the best policy and rate for your needs.
What is non owner SR22 insurance Arizona?
There are a number of reasons for SR22 insurance. The most common reason is for license reinstatement after a suspension for a motor vehicle violation. But there are other situations when the state requires an SR22 filing. SR22 is a high risk insurance certificate that’s usually required for three years. The certificate is endorsed to a non-owner insurance policy and filed with the Arizona DOT by a licensed insurance provider.
Non owner SR22 insurance Arizona is a guarantee of financial responsibility, meaning that you’ll be properly insured during your license suspension period. Therefore, the policy is monitored to make sure it’s always in force during this time. If your policy lapses, your insurance provider will notify the Arizona DOT by submitting an SR26 filing. This indicates that you’re no longer in compliance, and your license will be re-suspended.
How does non owner insurance work?
Non owner insurance coverage is written to cover only you when driving a non owned vehicle. It is “secondary” to the auto insurance carried by a vehicle owner. If you cause an accident when driving a borrowed vehicle, it pays claims that exceed the vehicle owner’s insurance limits. Non owner SR22 insurance Arizona is liability-only insurance that protects you from claims made by the other party involved in the accident. It will not cover damage to the vehicle you were driving or injury to passengers in the vehicle with you. Before driving any vehicle, you should confirm that it’s insured by the owner.
What non owner SR22 doesn’t cover
A non owner SR22 policy does not cover you when driving these types of vehicles:
- Rental or commercial vehicles
- Employment-related vehicles
- Vehicles owned by others in your household
Arizona Department of Transportation
The Arizona DOT website contains more details about Arizona license reinstatement with an SR22 insurance filing.
UltraCar Insurance is licensed Arizona insurance provider. We’re ready to help when you’re looking for cheap non owner SR22 insurance Arizona. Click the quote button or call us today for your non owner SR22 insurance Arizona quote!
This article was last updated on January 26th, 2020 by UltraCar Insurance