Do you need SR22 insurance, but don’t own a car? UltraCar Insurance provides you with fast SR22 insurance quotes without a vehicle. This type of insurance is called non owner SR22 insurance. You’ll need to file a non owner SR22 certificate with the DMV before you can reinstate your license.
Reasons to get SR22 insurance quotes without a vehicle
It might seem strange to buy auto insurance when you don’t own a car. But if you drive a borrowed car, the same penalties apply to you as they do for someone driving a vehicle they own. Every state requires a no car SR22 filing after license suspension, and you’ll need SR22 insurance to have it reinstated.
Other reasons to buy non owner insurance:
- To comply with a court order or legal judgment
- Child custody matters
- For continuous insurance coverage, which helps you get a lower insurance rate if you buy a vehicle in the future
- To be financially responsible by insuring yourself when driving a borrowed car
What does non owner SR22 insurance cover?
It may be more useful to ask, what is not covered by non owner insurance? SR22 non owner insurance coverage is a limited-liability policy that covers you when driving another person’s vehicle. SR22 non owner insurance does not cover you when:
- Driving a car you own
- Operating vehicles owned by other members of your household
- Driving vehicles that you have regular access to
- Operating commercial, rental, or employment-related vehicles
The insurance a vehicle owner carries on their car is primary insurance coverage. Non owner insurance, with or without an SR22 filing, is secondary to a vehicle owner’s insurance. Since it’s secondary, non owner insurance comes into effect if claims exceed the primary insurance coverage limits. Non owner insurance does not take the place of a vehicle owner’s insurance. Any car you drive must have owner’s insurance coverage. If you cause an accident when driving an uninsured vehicle, your non owner insurance may not cover any claims whatsoever.
What to expect after getting SR22 insurance quotes without a vehicle
After you get several quotes and accept one, the insurance provider files your certificate with your state DMV. Assuming you’ve completed all other license reinstatement requirements, this filing is the final step in that process. After that, it’s your responsibility to maintain the SR22 policy for the entire time the state requires it. If your policy lapses during that time, the state will suspend your license again.
Talk with an UltraCar Insurance agent, or click the button for quick SR22 insurance quotes without a vehicle. Our experienced, licensed agents can answer all your questions about SR22 non owner car insurance.
This article was last updated on March 26th, 2020 by UltraCar Insurance