If you don’t own a vehicle, you’ll need to purchase a non owner SR22 insurance Mississippi certificate for license reinstatement. SR22 non owner insurance offers liability-only coverage, and serves as secondary insurance if you cause an accident while driving a borrowed vehicle.
Common reasons for driver’s license suspensions
- Uninsured accidents
- Refusing to submit to a breath or blood alcohol test
- DUI or DWI offenses
- Accumulating too many points on a driver’s record
- Child support or neglect cases
- Legal judgments
How do I get non owner SR22 insurance Mississippi?
You can look locally or online for a non owner SR22 insurance companies. It’s important to select a provider with agents licensed in the state of Mississippi. UltraCar Insurance agents are each licensed in the state to write SR22 policies. Your agent will write a non-owners insurance policy, with you as the only insured. The SR22 certificate will be attached to the non owner policy and filed with the Mississippi DPS. When the filing is processed you’ll be eligible to reinstate your license.
The certificate is closely monitored to ensure that it’s maintained the entire time the state requires it. In Mississippi most high risk insurance policies are carried for three years. If your policy lapses or is terminated for any reason, your insurance provider is required to notify the DPS. An SR26 form is filed, which results in re-suspension of your driver’s license, and the reinstatement process must be repeated.
Non owner SR22 insurance is not written to insure a specific vehicle. Instead, it’s written to insure you against liability claims when driving a borrowed vehicle. If you are at fault in an accident, your non owner insurance coverage pays claims that exceed the vehicle owner’s primary insurance coverage. Any car you drive must be insured by the owner. This is because non owner insurance will not pay for damage to the vehicle you were driving or for injury to passengers in the car you were driving.
Limitations of non owner SR22 insurance Mississippi
- It is only for people who don’t own a vehicle
- Written to cover one person only
- Liability-only insurance coverage
- Does not include comprehensive or collision coverage because there is no vehicle to insure
- It does not cover you to drive vehicles owned by others in your household
- You are not covered when operating a rental, commercial or employment-related vehicle
Information about driver records and reinstatement fees is available in the Driver Services section of the Mississippi DPS website.
UltraCar Insurance maximizes your savings with low SR22 rates from top rated companies. For fast non owner SR22 insurance Mississippi quotes and quick filing, start an online quote or give us a call today!
This article was last updated on April 23rd, 2019 by UltraCar Insurance