NOTE: EFFECTIVE FEBRUARY 2018 UltraCar Insurance does not offer non owner SR22 in Michigan. Michigan drivers with a suspended license who do not own a vehicle must purchase non owner SR22 insurance Michigan to reinstate their license. Non owner SR22 insurance is a certificate of financial responsibility that is filed by an insurance provider with the Michigan DMV. Michigan non owner SR22 insurance is a type of high risk insurance with liability-only coverage; it does not cover comprehensive and/or collision coverage.
When a driver purchases non owner SR22 insurance Michigan, their insurance provider will file the SR22 certificate with the Michigan Department of Motor Vehicles, allowing the driver to reinstate their license. Then the policy is monitored closely during the probationary period set by the Michigan DMV, guaranteeing that the driver will keep the policy in force. If the non owner SR22 policy lapses or is canceled during the probationary period, the insurance provider submits an SR26 filing notifying the Michigan DMV that the certificate is no longer valid. This results once again in license suspension.
The state of Michigan usually requires non owner SR22 insurance Michigan to be carried for three years. It is a good idea to check with Michigan DMV to confirm how long you will be required to maintain the SR22 filing.
Again, non owner SR22 insurance Michigan is purchased by individuals who do not own a vehicle for the purpose of driver’s license reinstatement. It covers any vehicle the policy holder borrows to drive on an occasional basis. It is secondary insurance to a vehicle owner’s primary auto insurance. If the policy holder is involved in an at-fault accident, the non owner SR22 insurance will pay any claims that exceed the maximum coverage limits of the registered vehicle owner’s primary insurance. Please keep in mind that any borrowed vehicle should not be driven unless it is insured by the registered owner.
Facts about non owner SR22 insurance Michigan:
- It is written for one individual only
- It is a liability only policy
- It is not for individuals who own a vehicle
- It does not cover household vehicles
- It does not cover vehicles the policyholder drives frequently
- It does not cover rental or commercial vehicles
Circumstances that can lead to the requirement for non owner SR22 insurance Michigan:
- Uninsured accidents
- Failure to submit to a breath or blood alcohol test
- DUI or DWI offenses
- Excessive points against a driver’s DMV record
- Child support or neglect cases
- Legal judgments
Effective February 2018 UltraCar Insurance does not offer non owner SR22 insurance in Michigan. We do provide owner/owner-operator SR22 insurance Michigan if you own a car, truck or motorcycle, so if you need SR22 insurance with a vehicle, please submit a quote request or give us a call.