Non Owner SR22 Insurance Iowa

Certain motor vehicle violations can result in penalties including suspension of your driver’s license. If you own no car but need SR22 insurance, you’ll need to file a non owner SR22 insurance Iowa certificate for license reinstatement. After you file the certificate with the Iowa Department of Transportation (DOT), the insurance company monitors it. If the company finds that your policy lapses, the state will suspend your license again.

How does non owner SR22 insurance Iowa work?

As the title implies, non owner SR22 covers you for liability when you occasionally operate a non-owned vehicle. It is only for people who don’t own a vehicle; it covers only you; and it offers liability only coverage. Non owner insurance coverage is secondary to a vehicle owner’s auto insurance. If you cause an accident while driving a borrowed vehicle, your non owner SR22 insurance Iowa policy pays claims that exceed the vehicle owner’s coverage.

Iowa typically requires drivers to carry Iowa non owner SR22 insurance without interruption for three years. If you purchase an vehicle during this time, you’ll need to contact your insurance provider to switch to an SR22 insurance Iowa owner/owner-operator policy. Your insurance payments will increase with the addition of a vehicle. (See how insurance companies determine R22 insurance costs.)

Limitations of non owner insurance

This type of insurance policy does not provide coverage for these vehicles:

• Vehicles owned by others in your household
• Rental or commercial vehicles
• Employment-related vehicles

Non owner SR22 insurance Iowa only pays claims brought by the other party involved in an accident. It does not cover the vehicle you’re driving, nor passengers in that vehicle. Therefore, it’s essential to make sure that the owner of any vehicle you drive has insurance coverage.

There is another SR22 insurance option in Iowa: Broad form SR22 insurance. It is less expensive, but has even more strict limitations.

Common circumstances that lead to an SR22 requirement

• Child support or neglect cases
• Other legal judgments / Court orders
• Excessive points against a driving record
• DUI or DWI offenses
• Refusal to take a breath or BAC test
• Driving without insurance / Uninsured accidents

You’ll find more information about Iowa license suspensions/revocations and reinstatement on the Iowa DOT website.

UltraCar Insurance will find the best non owner SR22 insurance Iowa rates to suit your needs. Need SR22 insurance without a car? Get affordable online quotes by clicking the quote button, or talk with one of our agents today!