If you don’t own a vehicle and want to reinstate your driver’s license, you’ll need to purchase a non-owner SR22 insurance Virginia certificate. Virginia SR22 is a high-risk insurance certificate that’s filed with the state after a non-alcohol, non-drug-related license suspension.
Non owner SR22 insurance Virginia is liability-only insurance. It covers you when operating a borrowed vehicle on an occasional basis. It is secondary insurance to a vehicle owner’s primary auto insurance. If you’re found at fault in an accident, the vehicle owner’s insurance will pay claims first. Your non owner insurance coverage will pay remaining claims, if any, that exceed the primary insurance coverage limits.
Your insurance provider will issue a non-owner insurance policy with an SR22 attachment. Filing this certificate with the Virginia DMV confirms that you’re properly insured and eligible for license reinstatement. You must carry non owner SR22 insurance Virginia for a time period assigned by the state (three years in most cases). If your policy lapses or is canceled during that time, your insurance provider notifies the DMV through an SR26 filing. This results in suspension of your license again.
Facts about non owner SR22 insurance Virginia:
- Written on one person only
- Liability-only insurance coverage
- Covers only drivers who do not own a vehicle
- Does not cover vehicles that are frequently driven
- Will not cover any vehicles in your household
- Does not cover rental, commercial or employment-related vehicles
Common offenses that can require 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
You’ll find more details about how to reinstate your driver’s license on the Virginia DMV website.
When you’re looking for non owner SR22 insurance companies, choose UltraCar Insurance. Our agents look forward to helping you file your non owner SR22 insurance Virginia certificate. Start a quote by clicking the button, or give us a call today!
This article was last updated on January 10th, 2023 by UltraCar Insurance
