NOTE: EFFECTIVE FEBRUARY 2018, ULTRACAR INSURANCE DOES NOT OFFER NON OWNER SR22 INSURANCE IN RHODE ISLAND. Rhode Island drivers who do not own a vehicle and need to reinstate their license must purchase non owner SR22 insurance Rhode Island. When a non owner SR22 policy is purchased, the driver’s insurance provider submits an SR22 filing with Rhode Island Department of Motor Vehicles, which allows for license reinstatement after any assigned fees and penalties have been paid. The insurance provider then monitors the policy during a probationary period set by the Rhode DMV. This probationary period is usually 1-3 years, depending on the circumstances. The policyholder must maintain non owner SR22 insurance Rhode Island at all times without any lapse of coverage. If the policy lapses or is canceled, the insurance provider will submit an SR26 filing that notifies the state that the driver is no longer insured, and the DMV will suspend the individual’s driver’s license again.
Non owner SR22 insurance Rhode Island is liability-only insurance that covers any non owned vehicle the policyholder drives on occasion. In case of an accident caused by the SR22 insurance policyholder, the vehicle owner’s primary insurance pays claims up to its coverage limits. Any remaining claims that exceed the primary insurance coverage are paid by the non owner SR22 insurance policy.
Basic information regarding non owner SR22 insurance Rhode Island:
- It is liability-only secondary insurance coverage
- It is written for one person only
- It does not cover household vehicles
- It does not cover commercial vehicles
- It does not cover rental vehicles
- It does not cover vehicles that are frequently driven
Examples of motor vehicle violations and situations requiring non owner SR22 insurance Rhode Island:
- Unpaid child support
- Uninsured auto accidents
- Operating an uninsured vehicle
- Refusal to take a DUI or DWI test
- DUI or DWI convictions
- Excessive points on a driver’s DMV record
Rhode Island DMV
More detailed information can be found at the Rhode Island DMV website.
Effective February 2018 UltraCar Insurance does not offer non owner SR22 insurance in Rhode Island. However, if you own a vehicle, we provide owner/owner-operator SR22 insurance Rhode Island. Contact us using our secure online form, or call today!