If you don’t own a vehicle and want to reinstate your license, you’ll be required to buy a Ohio non owner SR22 insurance policy. A non owner SR22 certificate must be filed with the Ohio Bureau of Motor Vehicles as a condition for driver’s license reinstatement.
Situations that may require Ohio non owner SR22 insurance
- Reckless driving
- Refusal to consent to a DUI or DWI test
- DWI or DUI offenses
- Uninsured accidents
- Driving without required auto insurance coverage
- Legal judgments
- Unpaid child support
How does Ohio non owner SR22 insurance work?
When you are eligible to apply for a restricted license, you’ll select an insurance provider like UltraCar Insurance. An agent will write you a non-owner insurance policy with an SR22 attachment. This is then filed with the state and monitored during the time you’re required to carry the insurance. This filing allows you driving on a limited basis during your license suspension period. Ohio non owner SR22 insurance is usually assigned for a period of three years. If your SR22 policy lapses, expires or is canceled during this time period, your insurance provider immediately notifies the Ohio BMV by a filing an SR26 form. The BMV then re-suspends your driver’s license.
Limitations of Ohio non owner SR22 insurance
Non owner SR22 insurance is high risk insurance with liability-only coverage. It covers you when driving a non-owned vehicle on an occasional basis. Because non owner insurance coverage is written for a person, not a vehicle, it cannot include comprehensive or collision coverage. Non owner SR22 insurance does not cover you when driving the following types of vehicles:
- Frequently driven vehicles owned by another individual
- Vehicles owned by anyone in your household
- Commercial vehicles
- Rental cars
- Vehicles owned by your employer
Ohio non owner SR22 insurance is secondary insurance, meaning it pays claims that exceed the coverage of the vehicle owner’s primary insurance. SR22 insurance does not cover damage to the vehicle you borrow to drive. It covers you against personal injury and property damage claims from other parties involved in an at-fault accident.
Another type of SR22 policy that Ohio drivers can purchase for license reinstatement (whether they own a vehicle or not) is Broad Form SR22 Insurance.
Learn more about Ohio license suspensions and reinstatement on the Ohio BMV website.
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