To reinstate your license when you don’t own a vehicle, you will need to carry non owner SR22 insurance Nebraska to continue operating a vehicle. You may need this kind of high risk insurance because of a Nebraska DUI conviction, a serious driving offense, excessive points or failure to carry liability insurance coverage.
Reasons drivers may require non owner SR22 insurance Nebraska
- Uninsured auto accidents
- Refusal to consent to a DUI or DWI test
- DUI or DWI offenses
- Multiple points against your DMV record
- Child support or neglect cases
- Legal judgments
How does non owner SR22 insurance Nebraska work?
Non owner SR22 insurance is a financial responsibility form that’s endorsed to a non-owner insurance policy. Your insurance provider files this form/certificate with the Nebraska DMV as a guarantee of future insurance coverage. The SR22 certificate is monitored to make sure it’s active at all times during your license suspension period (in most cases, for three years). Your insurance provider will immediately notify the Nebraska DMV if the policy lapses or is canceled. Your license will be suspended again, and the process will have to be repeated.
Non owner SR22 insurance Nebraska is liability-only coverage. It is secondary to a vehicle owner’s insurance. If you cause an accident while driving a non-owned vehicle, the owner’s insurance pays claims up to its coverage limits. If claims exceed that coverage, your non owner SR22 insurance pays additional claim amounts. It’s important to verify that any vehicle you operate is insured by the owner. This is because your insurance does not cover damage to the vehicle you’re driving, or bodily injury to any passengers in that vehicle.
Limitations of non owner SR22 insurance
A non owner policy insures you against claims that can arise when you operate a borrowed vehicle. Non owner insurance does not cover:
- Vehicles driven frequently
- Vehicles owned by others in your household
- Rental, commercial or employment-related vehicles
If you initially purchase non owner SR22 insurance Nebraska, it can be converted to an owner or owner-operator policy if you purchase a vehicle. However, your premium will increase depending on the year, make and model of the vehicle you buy.
More information about Nebraska license suspensions and revocations can be found on the Nebraska DMV website.
If you need non owner SR22 insurance Nebraska, UltraCar Insurance can quickly provide competitive quotes to suit your needs. Talk with one of our licensed agents, or click to start a quote today!