SR22 Insurance Nebraska

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SR22 Insurance Nebraska

SR22 Insurance Nebraska

SR22 insurance Nebraska is high-risk insurance required for license reinstatement. When someone owns a vehicle, the SR22 certificate is an attachment to their auto insurance policy. If there is no vehicle to insure, the certificate is attached to a non-owners insurance policy. This insurance allows a driver to operate a car on a limited basis after a license suspension and reinstatement.

If the state suspends your license, you’ll need to get SR22 insurance Nebraska to reinstate your driving privileges. Not all insurance providers sell Nebraska suspended license insurance. UltraCar Insurance specializes in SR22 insurance filing, with agents licensed in Nebraska.

Common reasons for license suspension:

  • Unpaid child support payments
  • Legal judgments
  • Refusal to consent to a DUI or DWI test
  • DUI or DWI offenses
  • Multiple points against a DMV record
  • Uninsured auto accidents

What is SR22 insurance Nebraska?

SR22 is a financial responsibility form an insurance provider files with the Nebraska Department of Motor Vehicles (DMV). If you own a vehicle, the SR22 certificate is attached to your auto insurance policy. If you don’t own one, the certificate is a rider to a non-owner insurance policy.

The insurance underwriter closely monitors your insurance policy after reinstatement. Why does the insurance company monitor your policy? The state wants to be sure you always have insurance coverage in exchange for reinstating your license. Generally, when the state suspends someone’s license, it’s statistically more likely they will have future motor vehicle violations. The SR22 filing is a guarantee of future insurance coverage, because if you lose insurance coverage the state will re-suspend your license.

People usually have to carry SR22 insurance Nebraska for three years. However, the length of time can vary depending on the circumstances of the suspension. What if your policy lapses during that time? In that case, your insurance provider notifies the DMV by filing an SR26 form. The DMV suspends your license again if that occurs.

What if you don’t own a car?

If you don’t own a vehicle, you can reinstate your license by filing a non owner SR22 insurance Nebraska certificate.

Broad Form SR22 insurance

Another type of insurance called broad form SR22 insurance is also available in Nebraska. You can buy broad form insurance whether you own a vehicle or not. However, it has strict limitations to be aware of before you buy it.

You’ll find more detailed information about license suspensions, revocations, and reinstatement in Nebraska on the state DMV website.

Get quick Nebraska SR22 quotes and accurate filing of your certificate. Talk to an UltraCar Insurance agent or click to start a quote today!

This article was last updated on April 12th, 2021 by