You’ll need to get non owner SR22 insurance Wyoming if you have a suspended driver’s license don’t own a vehicle. You must file a Wyoming SR22 insurance certificate to start the process of license reinstatement. Wyoming requires drivers to maintain non owner SR22 insurance for three to five years. SR22 is a financial responsibility form your insurance provider attaches to a non-owner policy and files with the Wyoming Department of Transportation (DOT).
Non owner insurance coverage works differently than an owner SR22 policy, since you’re not insuring a vehicle. A Wyoming non-owner policy insures you against claims brought by the other party in an accident if you’re at fault. Non owner insurance is liability-only coverage that’s secondary to a vehicle-owner’s primary insurance. If you cause an accident while driving a borrowed vehicle, non owner insurance takes effect only if the vehicle owner’s insurance coverage exceeds its policy limits.
Facts about non owner SR22 insurance Wyoming:
- Only for individuals who do not own a vehicle
- Written for one person only – the policyholder
- Non owner insurance provides liability only coverage; you cannot add comprehensive or collision coverage since you are not insuring a vehicle
- Does not cover household vehicles
- Will not cover vehicles the policyholder can drive 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 buy a vehicle during your SR22 requirement, first notify your insurance provider. You’ll need to convert your non owner policy to an owner policy, resulting in a premium increase.
UltraCar Insurance offers low rates for non owner SR22 insurance Wyoming. Get affordable quotes by phone or online! Call us or click the quote button today.
This article was last updated on May 23rd, 2023 by UltraCar Insurance