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. The Iowa non owner SR22 certificate is filed with the Iowa Department of Transportation (DOT), then monitored closely for a period of time determined by the state. If you don’t maintain the insurance during that time, the Iowa DOT is notified. That results in a repeat license suspension.
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’re found at fault for an accident while driving a borrowed vehicle, your non owner SR22 insurance Iowa policy covers claims that exceed that vehicle owner’s insurance 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 SR22 insurance costs are determined.)
Limitations of non owner SR22 insurance
There are certain vehicles you are not covered to drive:
- 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 very important that any vehicle you drive is properly insured by its owner.
There is another SR22 insurance option in Iowa called 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
More information about Iowa license suspensions/revocations and SR22 financial responsibility requirements are available on the Iowa DOT website.
UltraCar Insurance will find the best non owner SR22 insurance Iowa rates to suit your needs. Click the button to start an your Iowa non owner SR22 quote, or talk with one of our agents today!
This article was last updated on June 18th, 2019 by UltraCar Insurance