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Non Owner SR22 Insurance Rhode Island

Non Owner SR22 Insurance Rhode Island

When you don't own a vehicle, get license reinstatement with non owner SR22 insurance Rhode Island. Start a quote today.

Non Owner SR22 Insurance Rhode Island

Last updated on March 25th, 2019 by

Prior to July 18, 2018 you could purchase non owner SR22 insurance Rhode Island to reinstate your suspended license if you didn’t own a vehicle. After that date, Rhode Island eliminated the SR22 requirement. However, if you have an out-of-state license suspension you will be required to file an SR22 in that state to prevent your Rhode Island driver’s license being suspended.

Regarding Rhode Island SR22 insurance: 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. Detailed information about Rhode Island license suspensions can be found on the Adjudication Office page of the Rhode Island DMV website. Call 401-462-5705 for further information.

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. This filing is submitted to the state that requires it. The Rhode Island Division of Motor Vehicles must be notified of payment made to that state by the date required, which allows you to avoid suspension of your Rhode Island driver’s license. The non owner SR22 policy is monitored during the probationary period set by the state that requires it.

You’ll have to carry this insurance for 1-3 years, depending on your circumstances. You must maintain your out-of-state non owner SR22 insurance Rhode Island during this time without any lapse of coverage. If the policy lapses or is canceled, an SR26 form is filed with the state where the SR22 is filed, notifying that state and the state of Rhode Island that you’re no longer insured. This results is immediate license suspension, after which you may or may not be allowed 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 out-of-state non owner SR22 insurance Rhode Island:

  • 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 Rhode Island:

  • 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, 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 a current SR22 filing is released by the DMV. Call 401-462-5705 for further information.

Contact UltraCar Insurance if you want a non-owner insurance policy or if you need to file a non-owner SR22 insurance 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.

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