If you don’t own a vehicle, you’ll need to file a North Dakota non owner SR22 certificate to reinstate your license after a suspension. Obviously, you don’t have to own a vehicle to have a driver’s license. You may sometimes drive a vehicle owned by another person, or your job may require you to drive a company car. Even if you don’t own a car, the state can suspend your driver’s license for the same reasons as it suspends a vehicle owner’s.
All vehicle owners in North Dakota must carry minimum liability insurance coverage. However, people who don’t own a vehicle should also be financially responsible when driving. If you occasionally drive a non-owned vehicle, it’s a good idea to invest in non-owner insurance – even if you don’t require an SR22 certificate.
What is North Dakota non owner SR22 insurance?
Non owner SR22 North Dakota is a guarantee of financial responsibility. In this case, it means that you carry the state minimum liability insurance coverage when operating any vehicle. You’ll have to keep your policy in force the entire time of your suspension to avoid a repeat suspension. If you miss even one payment or cancel your policy, the insurance company that issued your policy will file an SR26 form with the state. This cancels the SR22, and the DMV will suspend your driver’s license again.
Non-owner insurance insures you, rather than a vehicle. It is secondary to a vehicle owner’s insurance. If you’re at fault in an accident when driving a borrowed vehicle, non owner insurance covers claims that exceed the vehicle owner’s insurance coverage.
If you don’t currently carry non owner insurance and the state requires you to file a financial responsibility form, your insurance agent will write a non owner insurance policy for you, attach the SR22 and file it with the North Dakota Department of Transportation (NDDOT).
Limitations of non owner insurance
North Dakota non owner SR22 is liability-only coverage. You cannot add comprehensive or collision coverage to this kind of policy because you’re not insuring a vehicle. Also, you can’t use non-owner insurance as alternative coverage for teen drivers in your household. It only covers you, the policyholder, when driving a non-owned vehicle on an occasional basis. SR22 non owner insurance coverage does not include:
- Household vehicles to which you have regular access
- Rental vehicles
- Commercial vehicles
- Any type of employment-related vehicles
How long to I need to keep non owner SR22 insurance?
The state usually requires drivers to maintain the proof of financial responsibility requirement for one year from the date of:
- License reinstatement
- The granting of a temporary restricted license (TRL)
- An at-fault accident in which there was no insurance coverage
The North Dakota DOT website has additional information about driver license suspensions and reinstatement procedures.
You may find these articles related articles on our site of interest:
- SR22 Non Owner Insurance
- SR22 Insurance Quotes Without Vehicle
- Non Owner SR22 vs SR22 Insurance
- Non owner SR22 insurance companies
- I have no car but need SR22 insurance
UltraCar Insurance is is a licensed non-owner SR22 insurance provider in North Dakota. We offer low rates, quick quotes and fast filing of your certificate. We’ll help reinstate your license with a North Dakota non owner SR22 filing. Call or click to start your quote today!
This article was last updated on June 18th, 2023 by UltraCar Insurance
