NOTE: EFFECTIVE FEBRUARY 2018 UltraCar Insurance does NOT offer non owner SR22 in Michigan.
If you have a suspended license and don’t own a vehicle, non owner SR22 insurance Michigan allows reinstatement of your license. Non owner SR22 insurance is a certificate of financial responsibility that’s filed with the Michigan DMV. It is high-risk auto insurance with liability-only coverage.
Reasons people require non owner SR22 insurance:
- Uninsured accident
- Failure to submit to a breath or blood alcohol test
- DUI or DWI offenses
- Excessive points against a driver’s DMV record
- Child support order
- Legal judgment
How it works:
When you purchase non owner SR22 insurance Michigan, your insurance provider files the certificate with the Michigan Department of Motor Vehicles. This allows you to reinstate your license once you pay applicable fines or fees. The insurance company ensures you maintain the insurance policy the entire time the state requires you to carry it. If you miss a payment or cancel your coverage during that time, the insurance company files an SR26 form to notify the DMV that you no longer have insurance. This results in license suspension.
The state of Michigan usually requires you to carry high-risk auto insurance for three years. It’s a good idea to check with the DMV to confirm how long it requires you to maintain your insurance policy with the SR22 endorsement.
Non owner insurance coverage protects you against liability when driving a non-owned vehicle on an occasional basis. It is secondary insurance to a vehicle owner’s primary auto insurance. If you cause an accident, your policy pays claims if they exceed the vehicle owner’s insurance coverage.
Limitations of non owner insurance:
- Covers only one person – you, the policyholder
- Only for individuals who do not own a vehicle
- Liability only coverage
- Does not cover vehicles owned by others in your household or vehicles driven frequently
- It does not cover rental, commercial, or employer-owned vehicles
- The owner of any vehicle you drive must carry insurance on it
You can find more information about Michigan driver’s license restoration on the Michigan DMV website.
Effective February 2018 UltraCar Insurance does NOT offer non owner SR22 insurance in Michigan. However, if you own a car, truck or motorcycle, we do provide owner/owner-operator SR22 insurance Michigan.
This article was last updated on July 19th, 2023 by UltraCar Insurance