What do you do if the state suspends your license and you don’t own a vehicle? In that case, you must purchase non owner SR22 insurance Washington to reinstate your driving privileges. You’ll work with an insurance provider licensed in the state of Washington to process your SR22 filing with the state.
What is non owner insurance?
Non owner SR22 insurance Washington is high risk insurance that the state requires a driver to carry as a condition for reinstating their license. The time most drivers must maintain this insurance is three to five years, depending on the circumstances. Non owner insurance provides liability-only coverage. It is secondary insurance that covers you if you cause an accident while driving a borrowed vehicle. A non owner SR22 insurance policy pays claim amounts that exceed the limits of the vehicle owner’s primary insurance coverage.
Individuals can choose to carry non-owner insurance without an SR22 filing. Some reasons for this are to have added coverage when driving a borrowed car, and to avoid an insurance “coverage gap”.
A number of motor vehicle violations or other situations can result in driver’s license suspension, requiring an individual to carry non owner SR22 insurance Washington. Some of these offenses include:
- Accumulating too many tickets
- Driving without valid liability insurance
- Uninsured accidents
- Washington state DUI or DWI convictions
- Refusing to consent to a breath or blood alcohol test
- Child support or neglect cases
- Legal judgments
How does the SR22 process work?
Your insurance provider attaches a non owner SR22 certificate to a non owner insurance policy and files it with the Washington state Department of Licensing (DOL). Once the DOL processes your filing, it will restore your driving privileges. Then the insurance company that issued your policy will monitor it until the SR22 requirement expires. If your policy lapses for any reason during this time, the insurance company will file an SR26 form with the DOL. When this happens, the state suspends your driver’s license again, and you’ll have to repeat the reinstatement process to regain driving privileges.
Non owner insurance limitations
There are several important facts to know about non owner auto insurance:
- As the name implies, this insurance is only for drivers who do not own a vehicle.
- Coverage is only valid when you drive a borrowed vehicle on an occasional basis.
- It does not cover you when driving vehicles like these: Vehicles you have frequent access to drive, vehicles owned by someone in your household, commercial or rental vehicles.
You’ll find more details about reinstating your driver’s license in Washington state on the Washington DOL website.
When you need affordable non owners SR22 insurance quotes, depend on UltraCar Insurance. We’ll quickly find the best rates and policies for you. Click the quote button for an online quote, or call us today!
