You’ll need to purchase non owner SR22 insurance Wyoming if your driver’s license is suspended and you don’t own a vehicle. You must file a Wyoming SR22 insurance certificate to start the process of license reinstatement. In Wyoming, non owner SR22 insurance is usually required for a period of three to five years. SR22 is a financial responsibility form that your insurance provider submits to the Wyoming Department of Transportation (DOT).
Non owner insurance coverage works differently than an owner SR22 policy, because you don’t own a vehicle. Rather than insuring a vehicle, non owner SR22 insurance Wyoming insures you against claims brought by the other party in an accident in which you’re at fault. Non owner insurance is liability-only coverage that is secondary to a vehicle-owner’s primary insurance. If you cause an accident while driving a non-owned vehicle, your non owner insurance takes effect only after the vehicle owner’s insurance coverage has paid its maximum limit in claims.
Facts about non owner SR22 insurance Wyoming:
- Only for individuals who do not own a vehicle
- Written for one person only
- Non owner SR22 insurance Wyoming is liability only coverage; comprehensive or collision coverage cannot be added
- Does not cover household vehicles
- Will not cover vehicles the policyholder drives frequently
- Does not cover employment-related vehicles
- Will not cover commercial vehicles or rental vehicles
You’ll find additional details about Wyoming driver’s license reinstatement procedures on the Wyoming DOT website.
If you purchase a vehicle during the period you are required to carry non owner SR22 insurance Wyoming, you must notify your insurance provider to convert your non owner SR22 policy to an owner SR22 policy.
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This article was last updated on January 24th, 2019 by UltraCar Insurance