Idaho residents who don’t own a vehicle will need to purchase non owner SR22 insurance Idaho to reinstate their suspended license. Auto liability insurance laws protect drivers and their passengers if they’re involved in an accident. The state imposes penalties such as fines and license suspension on drivers who don’t carry minimum liability insurance coverage on their vehicles. SR22 insurance can be required as a result of a motor vehicle violations and other situations.
Reasons for SR22 insurance
- Driving without insurance
- Too many points against your driving record
- At-fault and uninsured accidents
- DUI / DWI convictions
- Refusing to take a breath or BAC test for DUI
- Child support or neglect cases
- Court orders
How to get non owner SR22 insurance Idaho
You’ll purchase this insurance from an authorized non owner SR22 insurance company that’s licensed in Idaho. You can look for a company locally or online. The agent will write you a non-owner insurance policy with an SR22 attachment and file with the Idaho Division of Motor Vehicles. After any fines and/or fees have been paid, this filing allows your license to be reinstated.
Because SR22 is a guarantee of financial responsibility, it’s monitored to make sure it’s active for the specified period of time. High risk insurance is typically required for 3 to 5 years. Your insurance provider must immediately notify the Idaho DMV if your policy lapses by filing an SR26 form. This results in re-suspension or revocation of your license. To avoid this, it’s crucial to maintain your non owner SR22 insurance Idaho policy during the required time period.
What does non owner insurance cover?
Non owner insurance coverage is liability-only coverage that protects you when driving a non-owned vehicle on an occasional basis. It is secondary to a vehicle owner’s primary auto insurance coverage. If you’re responsible for an accident, your non-owner SR22 insurance will pay claim amounts after the vehicle owner’s primary insurance reaches its coverage limits.
Before driving any borrowed vehicle, it’s very important to verify that it’s insured by the owner. This is because the only claims paid by non owner SR22 insurance Idaho are those made by the other party involved in the accident. It will not cover damage to the borrowed vehicle you were driving, or to passengers in the vehicle with you. There are limitations regarding the types of vehicles you’re covered to drive with a non owner SR22 policy:
- Vehicles owned by others in your household are not covered
- Rental, commercial and employment-related vehicles are not covered
Other non owner SR22 considerations
A less expensive option for non owner SR22 insurance Idaho is Broad Form Vehicle Insurance. However, it is extremely limited in scope, and may not be suitable for your needs.
What if you buy a vehicle while you’re carrying non-owner SR22 insurance? You’ll need to contact your insurance provider to switch to owner-operator SR22 insurance Idaho to stay in compliance with your requirement.
More information about SR22/SR26 insurance filings and Idaho license reinstatement can be found on the Idaho DMV website.
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This article was last updated on June 26th, 2019 by UltraCar Insurance
