When your license has been suspended and you don’t own a vehicle, you’ll need to purchase non owner SR22 Louisiana for license reinstatement. Auto insurance is designed to ensure that individuals are compensated for injury or property damage if an accident occurs. When your license is suspended, you must obtain coverage called non owner SR22 insurance, so you’ll be properly insured to drive a borrowed vehicle. In most cases this insurance must be carried for a period of three years.
How does non owner SR22 Louisiana insurance work?
Non owner insurance coverage is secondary insurance in a case of an accident in which you are at fault. The vehicle owner’s primary insurance pays claims up to the limit of the policy. Your non owner SR22 Louisiana policy pays claim amounts that exceed the vehicle owner’s primary insurance coverage.
Non owner insurance coverage and cost:
A non owner policy covers any non-owned vehicle you occasionally borrow to drive. It does not cover:
- Vehicles that are driven frequently
- Vehicles owned by others in your household
- Rental, commercial or employment-related vehicles
It’s important that any vehicle you drive is insured by the owner. You should never drive a car if it is not properly insured by the owner. This is because non owner insurance does not cover damage to the car you borrow to drive, or injury to passengers in the car. It only covers claims by the other party involved if you cause an accident.
Non owner SR22 Louisiana insurance premiums can vary from one insurance provider to another. Find out more about how SR22 insurance costs are determined. Cost is not the only factor; it’s also important that the terms of an SR22 policy meet your requirements.
UltraCar Insurance agents are licensed to process SR22 filings with the Louisiana OMV. We offer low rates and quick Louisiana non owner SR22 insurance quotes. Let us help you get back on the road. Call or click to start a quote today!