Drivers without a vehicle need to purchase non owner SR22 insurance Utah to obtain a Utah limited license after suspension. The Utah Department of Public Safety requires an SR22 certificate to be purchased prior to license reinstatement, even if you don’t own a vehicle. A Utah non owner SR22 certificate is not endorsed to a vehicle. It is endorsed to a non owner insurance policy that covers you when driving a borrowed vehicle on an occasional basis.
How does non owner SR22 insurance Utah work?
An SR22 certificate is a guarantee of future financial responsibility. That is, it guarantees that you will maintain the minimum liability coverage required by the state during your license suspension (usually 3-5 years in Utah). That’s why your SR22 policy is monitored to ensure that it does not lapse or expire during that time. It is very important that you maintain non owner SR22 insurance Utah without interruption. If it isn’t, your insurance provider will file an SR26 form with the Utah DPS, resulting in immediate suspension of your license again.
Non owner SR22 insurance Utah is liability coverage that protects you against claims by another party. If you’re involved in an at-fault accident, it is secondary insurance. If you cause an accident while driving a borrowed vehicle, your Utah non owner SR22 policy pays claim amounts that exceed the vehicle owner’s insurance. It’s very important to confirm that any vehicle you drive is insured by the owner.
Coverage limitations of non owner SR22 insurance Utah
- Non owner insurance is only for individuals who do not own a vehicle
- It is liability only coverage – comprehensive or collision cannot be added
- A non owner policy will not cover vehicles in the policyholder’s household
- It will not cover vehicles that are frequently driven by the policyholder
- SR22 non owner insurance does not cover commercial, rental or employment-related vehicles
- Non-owner SR22 insurance does not cover the damage to the vehicle, any passengers in your car or property damage
NOTE: If you buy a vehicle while you’re required to carry SR22 insurance, you can’t simply cancel your non owner SR22 insurance Utah policy. You’ll need to talk to your insurance provider to convert to an owner SR22 insurance Utah policy. It’s a good idea to contact your insurance provider before buying a car, as your payments will increase when endorsing the SR22 certificate to a vehicle.
When you’re looking for non owner insurance coverage, UItraCar Insurance makes it easy to get non owner SR22 insurance Utah. Start a non owner SR22 quote with the click of a button, or call to speak with one of our licensed agents today!
This article was last updated on January 30th, 2019 by UltraCar Insurance