The state of Wisconsin requires drivers whose license has been suspended to obtain high risk insurance. High risk drivers who do not own a vehicle must purchase non-owner SR22 insurance Wisconsin for license reinstatement. A non-owner SR22 insurance policy is written to cover any vehicle the policyholder borrows to drive on an occasional basis.
Non-owner SR22 insurance Wisconsin is a certificate of financial responsibility that is purchased from an insurance provider licensed in Wisconsin. The insurance provider files the non-owner SR22 certificate with the Wisconsin Department of Motor Vehicles (DMV), allowing the individual’s license to be reinstated. For a period of three to five years after license reinstatement, non-owner SR22 insurance Wisconsin must be carried and kept in effect without interruption. During this time the insurance provider monitors the policy to ensure it remains in force. If the policy lapses, expires or is canceled, the insurance provider immediately notifies the Wisconsin DMV by filing an SR26 form. This will result in loss of driving privileges once again.
Non-owner SR22 insurance Wisconsin offers liability only coverage when the policyholder operates a vehicle owned by another person. The non owner SR22 policy is secondary to the vehicle owner’s auto insurance policy. If the non-owner SR22 policyholder is involved in an accident in which he/she is at fault, the vehicle owner’s primary insurance covers claims up to its coverage limits. If there are any claim amounts that exceed the primary insurance coverage limits, the SR22 non owner policy covers them.
If a policyholder with non-owner SR22 insurance Wisconsin registers a vehicle in their name during the time they are required to carry SR22 insurance, they will need to contact their insurance provider to switch to an SR22 owner policy.
Limitations of non-owner SR22 insurance Wisconsin
- It is liability only insurance; comprehensive or collision coverage cannot be added
- It covers only vehicles not owned by the policyholder that may be driven on an occasional basis
- It does not cover household vehicles to which you have regular access
- It does not cover rental vehicles
- It does not cover commercial vehicles
- It does not cover you when driving any type of employment-related vehicle
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If you own a vehicle and need an SR22 certificate, see our SR22 Insurance Wisconsin page for information.