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 you attach to your auto policy and file with the state. In Virginia, SR22 insurance permits license reinstatement after non-alcohol, non-drug-related suspensions.
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. The vehicle owner’s insurance pays claims first if you’re at fault in an accident. Your non owner insurance coverage will pay the 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 have the proper insurance to be 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 during that time, your insurance provider notifies the DMV by filing an SR26 form. This results in the 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 you can frequently drive
- 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 an online quote, or give us a call today!
This article was last updated on October 18th, 2023 by UltraCar Insurance