The state of Illinois penalizes individuals caught driving without minimum liability insurance coverage mandated by the state by suspending their driver’s license. If your license has been suspended and you do not own a vehicle, you will need to purchase non owner SR22 insurance Illinois for license reinstatement. Non owner SR22 insurance Illinois is a high risk insurance policy with liability only coverage that covers any vehicle that you borrow to drive on an occasional basis.
When you purchase non owner SR22 insurance Illinois, your insurance provider files the SR22 certificate with the Illinois Department of Motor Vehicles. The SR22 filing serves as a monitoring and communication system between your insurance provider and the Illinois DMV, confirming that you carry this insurance and maintains it for a designated time period. If the policy expires, lapses, or is canceled for any reason during that time period, your license will once again be suspended.
Non owner SR22 insurance Illinois serves as secondary insurance in a case of an accident in which you are at fault, paying claims that exceed the primary insurance coverage on the vehicle you were driving at the time of the offense.
Facts about non owner SR22 insurance Illinois:
- It is written for one person only
- It does not cover rental vehicles
- It is a liability only policy
- The policy does not cover commercial vehicles
- The policy does not cover household vehicles
Offenses and circumstances that can result in being required to carry non owner SR22 insurance Illinois:
- DUI or DWI offenses
- Failure to take a breath or blood test
- Child support or neglect cases
- Too many points against a driver’s record
- Uninsured accidents
- Legal judgments
UltraCar Insurance provides quick competitive non owner SR22 insurance quotes. Call with any questions, or submit our secure online form for non owner SR22 insurance Illinois today!