Auto liability insurance laws in Idaho protect motorists and their passengers if involved in an auto accident. The state of Idaho imposes penalties such as fines and license suspension on drivers who do not carry the legally required liability insurance on their vehicles. When a driver who does not own a vehicle has their license suspended, they will need to purchase non owner SR22 insurance Idaho for license reinstatement.
Non owner SR22 insurance Idaho is high risk insurance coverage designed for non vehicle owners. Individuals who require an Idaho non owner SR22 policy purchase it from an insurance provider who files the SR22 certificate with the Idaho Department of Motor Vehicles. The insurance provider keeps a close eye on the status of the SR22 filing to ensure that the policy remains active for the specified period of time. The insurance provider is responsible for monitoring the policy, and must immediately notify the Idaho DMV if it lapses, expires or is canceled. The insurance provider notifies the DMV by filing an SR26 form, which results in the driver’s license being suspended or revoked again. To avoid this situation, it is crucial for the SR22 policyholder to maintain their non owner SR22 insurance Idaho policy at all times during the required time period.
Non vehicle owners in Idaho who are classified as high risk drivers are typically required to carry non owner SR22 insurance Idaho for three to five years. If the driver should purchase a vehicle during this period, they will need to switch to an owner-operator SR22 insurance policy.
Non owner SR22 insurance Idaho is liability only insurance coverage that is valid for any non owned vehicle the policyholder may occasionally drive, and acts as secondary insurance to a vehicle owner’s primary insurance. If the non owner SR22 policyholder is responsible for causing an accident, their SR22 insurance will pay any claim amounts that remain after the vehicle owner’s primary insurance has reached its coverage limits.
Facts about non owner SR22 insurance Idaho:
- It covers only vehicles outside the driver’s household
- It does not cover rental vehicles
- It does not cover commercial vehicles
Non owner SR22 insurance Idaho can be required for some of the following reasons:
- Too many points against a driver’s record
- At fault accidents
- Uninsured accidents
- DUIs or DWIs
- Failure to take a DUI breath or blood alcohol test
- Child support or neglect cases
UItraCar Insurance looks forward to providing you with competitive Idaho non owner SR22 insurance quotes. We survey top insurance companies to find the best rates for your situation. When you need quick filing of your non owner SR22 insurance Idaho certificate, submit our secure online form give us a call today!