Non owner SR22 insurance Illinois is high-risk insurance the state requires for license reinstatement when the driver does not own a vehicle. The state of Illinois penalizes drivers for a number of motor vehicle offenses, including driving without liability insurance.Whether you have numerous traffic citations or one serious violation, the result may be suspension of your driver’s license. So, what happens when you have no car but need SR22 insurance? You will need to purchase a non-owner insurance policy with an SR22 attachment for license reinstatement.
How do I get Illinois non owner SR22 insurance?
When you purchase a non owner policy, your insurance provider attaches the SR22 certificate to it. They will file this document with the IDMV to reinstate your license. Non owner SR22 insurance Illinois serves as a monitoring and communication system between your insurance provider and the Illinois DMV. It’s a guarantee of financial responsibility that verifies you’re maintaining the insurance for a certain period of time. If the policy lapses during that time, the state will suspend your license again.
Do you need SR22 insurance if you don’t own a car?
Non owner insurance coverage protects you from liability claims when you drive a borrowed vehicle on an occasional basis. Illinois non owner SR22 is secondary insurance that helps pay claims in case you cause an accident that results in injury or property damage. It pays claims that exceed the primary insurance coverage on the vehicle you were driving. It’s essential to verify with the owner of any vehicle you drive that they have insurance coverage. This is because non-owner insurance doesn’t cover the vehicle you’re driving or any passengers in the vehicle. It only pays claims made by the other party involved in the accident.
Features of non owner SR22 insurance
- A non owner policy covers one person only – you, the policyholder
- The coverage is liability-only
- The policy does not cover rental, commercial or employment-related vehicles
- Coverage does not include vehicles owned by others in your household
Reasons people must carry SR22 insurance
- Violating drinking & driving (DUI) laws in Illinois
- Failure to take a breath or blood test
- Child support or neglect cases
- Too many points against a driver’s record
- Uninsured accidents
- A court order or legal judgment
You can find more detailed information about SR22 insurance and reinstatement fees on the Illinois Secretary of State website.
UltraCar Insurance provides low rates and quick Illinois SR22 insurance quotes. Call us if you have questions, or click the button to request a non owner SR22 insurance Illinois quote now!
This article was last updated on July 8th, 2023 by UltraCar Insurance
