Virginia SR22 insurance is a type of high risk insurance for drivers whose license has been suspended for non-alcohol related reasons. If you don’t own a vehicle and want to regain your driving privileges, you will need to purchase non owner SR22 insurance Virginia.
Non owner SR22 insurance Virginia is liability only insurance that covers any vehicle you may drive on an occasional basis. It serves as a secondary insurance to a vehicle owner’s primary auto insurance should an accident occur that is determined to be your fault. The vehicle owner’s insurance (primary insurance) will pay claims first to the limits of its coverage. Your non owner SR22 policy will pay any remaining claim amounts that exceed the primary insurance coverage limits, if any.
Your insurance provider will file the non owner SR22 insurance certificate with the Virginia DMV, which confirms that you are properly insured and eligible for license reinstatement. Non owner SR22 insurance Virginia must be carried for a specific time period assigned by the state (three years in most cases). If your policy lapses or is canceled for any reason during that time, your insurance provider notifies the Virginia DMV through an SR26 filing. This will result in suspension of your license again.
Facts about non owner SR22 insurance Virginia:
- It can be written on one person only
- It is a liability only insurance policy
- It is coverage only for drivers who do not own a vehicle
- It does not cover vehicles that are frequently driven
- It does not cover household vehicles
- It does not cover rental or commercial vehicles
Offenses that can result in requiring non owner SR22 insurance Virginia:
- Child support or neglect cases
- Excessive points on driver’s license
- Uninsured auto accidents
- Legal judgments
- Driving without minimum mandated insurance coverage
Our UltraCar Insurance agents look forward to helping you. To obtain free quotes for non owner SR22 insurance Virginia, submit our secure online form, or give us a call today!