Non owner SR22 insurance Arizona is financial responsibility form the state requires you to file for license reinstatement. It’s for drivers with license suspensions who don’t own a vehicle. Thus, 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 the state usually requires drivers to maintain for three years. The certificate is a rider to a non-owner insurance policy that your insurance provider files with the Arizona DOT.
Non owner SR22 insurance Arizona is a guarantee of financial responsibility, meaning that you agree to maintain the insurance without interruption for the time the state requires it. To make sure your SR22 policy doesn’t lapse, the issuing insurance company monitors it during that 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 with the filing, which results in license suspension.
How does non owner insurance work?
Non owner insurance coverage covers only you when you drive a borrowed car. 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, it’s essential to confirm that the vehicle owner carries insurance on it.
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 revocation and suspension and SR22 insurance.
UltraCar Insurance is an Arizona-licensed auto insurance provider, ready to help when you’re looking for cheap non owner SR22 insurance Arizona. Start an online quote or call us today for an affordable Arizona SR22 filing!
This article was last updated on July 7th, 2023 by UltraCar Insurance
