If your license has been suspended and you don’t own a vehicle, you will need to purchase non owner SR22 insurance Washington to reinstate your license. You will need to work with an insurance provider licensed in the state of Washington who will attach the SR22 certificate to a non owner policy and file it with the Washington state Department of Licensing (DOL). When the filing is completed you will be eligible for license reinstatement. The SR22 certificate will then be closely monitored by your insurance provider for the time period assigned by the state. If your policy lapses, expires or is canceled during this time, your insurance provider will file an SR26 form with the DOL. When this happens, your driver’s license will be suspended again, and you will have to repeat the license reinstatement process to regain driving privileges. Non owner SR22 insurance Washington is high risk insurance that must usually be carried for three to five years, depending on the circumstances.
Non owner SR22 insurance Washington is liability only coverage. It serves as secondary insurance if you are involved in an at-fault accident while driving a vehicle that’s owned by another person. A non owner SR22 insurance policy pays any claim amounts that exceed the vehicle owner’s primary insurance coverage limits.
There are several important facts to know about non owner SR22 insurance Washington:
- It is only for vehicles that are borrowed on occasion, and not for frequently used vehicles
- It is not intended as coverage for vehicles within the household where the insured resides
- It is not valid for commercial or rental vehicles
- It is only for drivers who do not own a vehicle
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. These offenses can include:
- Accumulation of too many tickets
- Driving without being insured
- Uninsured accidents
- Washington state DUI or DWI convictions
- Refusing to consent to a breath or blood alcohol test
- Child support or neglect case
- Legal judgments
More details about reinstating your driver’s license in Washington state can be found on the Washington DOL website.
When you need a competitive non owners SR22 insurance quote, depend on UltraCar Insurance to quickly find the best rates for non owner SR22 insurance Washington. Give us a call or submit our secure online quote form today!