Auto insurance is designed to help to ensure that individuals are compensated for injury or property damage should an accident occur. When an individual’s license is suspended they must purchase additional insurance coverage called SR22 insurance to reinstate their driving privileges and be properly insured. When the individual does not own a vehicle, they will need to purchase a high risk insurance called non owner SR22 Louisiana for license reinstatement. Louisiana requires SR22 insurance to be carried for a period of three years in most cases. Non owner SR22 insurance covers any non owned vehicle the policy holder may drive on occasion. It does not cover vehicles that are driven frequently, nor does it cover household, rental or commercial vehicles. Non owner SR22 Louisiana is secondary insurance in a case of an accident in which the policy holder is at fault. The vehicle owner’s primary insurance pays claims up to the limit of the policy, then the non owner SR22 Louisiana policy pays claim amounts that exceed the primary insurance coverage limits.
It is important that any vehicle an individual borrows is covered by the minimum liability insurance coverage required by the state of Louisiana. A vehicle should not be driven if it is not properly insured by the owner, and it is advisable to have the valid insurance card and registration paperwork in the glove compartment.
Non owner SR22 Louisiana insurance premiums can vary from one insurance provider to another. It is important that the terms of your SR22 policy meets your needs. Our agents are licensed in the state of Louisiana, and provide quick competitive Louisiana non owner SR22 insurance quotes that will meet your particular requirements. Let UltraCar Insurance help you get back on the road. Submit our secure online form or give us a call today!