If you don’t own a vehicle, a North Dakota non owner SR22 filing is required to reinstate your driver’s 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, your license can be suspended for the same reasons a vehicle owner’s can.
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 the policy lapses for any reason, an SR26 form is filed with the state. This cancels the SR22, and the DMV will suspend your driver’s license again.
North Dakota non owner SR22 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. Comprehensive or collision coverage can’t be added, because a vehicle is not being insured. It is not intended as alternative insurance coverage for teen drivers in the 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 proof of financial responsibility requirement is usually required for a period of one year from: a) the date of license reinstatement, b) the date a temporary restricted license (TRL) is granted, or c) the date of an at-fault accident in which there was no insurance coverage.
For additional information about driver license suspensions and reinstatement procedures, see the North Dakota DOT website.
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- I have no car but need SR22 insurance
UltraCar Insurance is licensed in North Dakota to write non-owner SR22 insurance policies. 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!