A Nebraska DUI conviction, a serious driving offense, an accumulation points, or failure to maintain the proper liability insurance coverage are some of the reasons a driver’s license may be suspended. Individuals who do not own a vehicle are required to obtain non owner SR22 insurance Nebraska for license reinstatement to continue driving legally.
Non owner SR22 insurance Nebraska is a certificate of financial responsibility filed with the Nebraska DMV by the driver’s insurance provider. It is liability-only coverage for vehicles the policyholder may borrow on an occasional basis. A non owner SR22 policy does not cover vehicles driven frequently, nor household vehicles, rental vehicles or commercial vehicles. Non owner SR22 insurance Nebraska must stay active at all times during the probationary period, which is three years in most instances. The insurance provider monitors the policy closely during the probationary period, and must immediately notify the Nebraska DMV if it lapses or is canceled for any reason. The individual’s license will be suspended again if that occurs, and the process will have to be repeated again.
Non owner SR22 insurance Nebraska serves as secondary insurance to a vehicle owner’s primary insurance coverage. If the non owner SR22 policyholder has an at-fault accident while driving a borrowed vehicle, the owner’s auto insurance pays claims up to its coverage limits, then the non owner SR22 insurance pays any additional claim amounts if necessary.
A driver who initially purchases non owner SR22 insurance Nebraska can convert to an owner or owner-operator SR22 policy if they purchase a vehicle during this time. The premium will increase depending on the year, make and model of the vehicle.
Some offenses or situations that can require a driver to carry non owner SR22 insurance Nebraska include:
- Uninsured auto accidents
- Refusal to consent to a DUI or DWI test
- DUI or DWI offenses
- Multiple points against a driver’s DMV record
- Child support or neglect cases
- Legal judgments
If you need non owner SR22 insurance Nebraska, UltraCar Insurance can quickly provide competitive non owner SR22 insurance quotes that will suit your needs. Call or submit our secure online form today!