Effective July 18, 2018, non owner SR22 insurance Rhode Island filings are no longer required or accepted by the Rhode Island Division of Motor Vehicles, and any person with an SR22 filing is released by the DMV. You’ll find detailed information about Rhode Island license suspensions on the Rhode Island DMV website.
If you have an out-of-state license suspension that requires non owner SR22 insurance, you must contact the state referenced in the license suspension notice sent to you by the Rhode Island DMV Adjudication Office. The Adjudication Office must receive proof of payment to that state, by the date referenced, to avoid suspension of your driver’s license.
UltraCar Insurance was previously a provider of non owner SR22 insurance Rhode Island. We can still provide you with a non driver insurance policy without an SR22 attachment; and we can also assist you with an out-of-state non owner SR22 policy if you require it. (See states we offer SR22 insurance.)
How do I get non owner SR22 insurance Rhode Island?
If you live in Rhode Island and have an out-of-state license suspension, you’ll choose an insurance provider to issue a non owner insurance policy with an SR22 certificate attachment. You’ll submit this filing to the state that requires it. You must notify the Rhode Island Division of Motor Vehicles of payment made to that state by the required date. This will allow you to avoid suspension of your RI driver’s license. The state requiring the SR22 filing monitors it during the assigned period.
You’ll have to carry this insurance for 1-3 years, depending on the circumstances. You must maintain the out-of-state insurance policy during this time without any lapse of coverage. If the policy lapses, the insurance company files an SR26 form with the state requiring the SR22. This notifies that state AND the state of Rhode Island that you no longer carry liability insurance. In that case, the requiring state may or may not allow you to submit another SR22 filing.
Non owner SR22 insurance Rhode Island for out-of-state license suspensions is liability-only insurance. It covers you for liability when you drive a non-owned vehicle on an occasional basis. In the event you cause an accident, the vehicle owner’s primary insurance pays claims up to its coverage limits. Any remaining claims that exceed that coverage are paid by your non owner SR22 insurance policy.
The basics of non owner insurance:
- Non owner insurance is liability-only, secondary insurance coverage
- It is written for one person only
- A non owner SR22 does not vehicles owned by others in your household
- Non owner SR22 does not cover you to drive commercial, rental or employment-related vehicles
- It does not cover vehicles that you would be able to drive frequently
Reasons for out-of-state non owner SR22 insurance:
- Unpaid child support outside the state of Rhode Island
- Uninsured auto accident outside the state of Rhode Island
- Operating an uninsured vehicle out of state
- Refusal to take a DUI or DWI test out of state
- DUI or DWI convictions outside the state of Rhode Island
Repeating: Effective July 18, 2018, the Rhode Island Division of Motor Vehicles no longer requires SR22 insurance for license reinstatement. The DMV releases any person with a current SR22 filing. Call 401-462-5705 for further information.
Contact UltraCar Insurance if you need a non-owner insurance policy or a non-owner SR22 filing for a license suspension outside the state of Rhode Island. Our agents will be glad to assist you! Give us a call or click to start a quote now.
NOTE: If you own a vehicle and need an out-of-state SR22 filing, see SR22 Insurance Rhode Island.
This article was last updated on July 19th, 2023 by UltraCar Insurance