If you don’t own a vehicle and want to reinstate your license, you’ll need to purchase South Carolina non owners SR22 insurance. SR22 insurance is a financial responsibility form that high risk drivers must file with the South Carolina Department of Motor Vehicles. The SR22 form is attached to a non-owner insurance policy, which is written to cover you when driving any non owned vehicle on an occasional basis.
Your insurance provider will complete the SR22 filing with the DMV as a condition for license reinstatement. Thereafter, for a period of typically three years, the South Carolina non owners SR22 insurance policy is monitored to verify that it remains in effect for the time period the state requires it. If you allow the policy to lapse, expire or cancel it, your insurance provider files an SR26 form with the state DMV. When this happens, your license is suspended again, and the reinstatement process must be repeated.
How does South Carolina non owners SR22 insurance work?
South Carolina non owners SR22 insurance covers you for liability if you occasionally drive a borrowed vehicle. Non owner insurance coverage serves as a secondary insurance to a vehicle owner’s auto insurance. If you are at fault in an accident while driving a non-owned vehicle, the owner’s primary insurance pays claims to the maximum limits of its coverage. If there are then any remaining claim amounts, your non owners SR22 insurance will cover them.
Non owner insurance coverage only pays claims brought by the other party involved in an at-fault accident. It does not cover the car you have borrowed to drive. Therefore, you must make sure any vehicle you operate is insured by the owner.
Features of non-owner SR22 insurance:
- Non owner insurance is only available if you don’t own a vehicle
- It is not intended for vehicle owners
- A non owner policy is written to cover one individual (you)
- Only liability coverage is available
- It covers you to drive only a non-owned vehicle driven occasionally
- Does not cover vehicles owned by others in your household
- Will not cover you if you drive a commercial vehicle, rental vehicle or a vehicle related to your employment
The South Carolina DMV website has more information about obtaining South Carolina license reinstatement.
For quick South Carolina non owners SR22 insurance quotes at low rates, talk with an UltraCar Insurance agent. Click the quote button to get started, or give us a call today!
This article was last updated on July 6th, 2023 by UltraCar Insurance
