If you have a suspended license, you’ll need to buy SR22 insurance Vermont, a type of high risk insurance, to regain your driving privileges. Vermont requires all vehicle owners to carry minimum auto liability insurance coverage. What if an officer pulls you over or you get into an accident and you can’t show current proof of insurance? Depending on the situation, the state will suspend your license.
Reasons people need SR22 insurance Vermont
In addition to driving without auto liability insurance, other situations that can result in license suspension include:
- Accumulating excessive points on your DMV record
- Drug and alcohol offenses (DUI or DWI)
- Refusal to take a breath or blood alcohol test
- Uninsured accidents
- Child support or neglect cases
- Legal judgments
SR22 insurance Vermont is a certificate of financial responsibility. It’s an endorsement (rider) to your auto insurance policy that you file with the Vermont Department of Motor Vehicles (DMV) as a condition for license reinstatement. Filing an SR22 certificate is a means to reinstate your driver’s license. It guarantees that you will maintain auto liability insurance for a specific time in the future. The insurance company that issues your SR22 policy monitors its status. What if you let the coverage lapse by not paying your premium or canceling the policy? In that case, the insurance company must file an SR26 form with the Vermont DMV, which results in another license suspension. You’ll have to file another SR22 certificate until the obligation expires.
Can I get SR22 if I don’t own a vehicle?
If you have no car but need SR22 insurance, you’ll need to purchase Vermont non owner SR22 insurance. It serves the same purpose as owner SR22 insurance, which is license reinstatement. However, instead of insuring an owned vehicle, a non owner SR22 policy covers you when driving a borrowed vehicle on an occasional basis. Non owner SR22 insurance is secondary insurance to a vehicle owner’s insurance coverage.
The Vermont DMV website contains more detailed information about Vermont driver’s license suspensions and reinstatement.
Whether you need owner or non owner SR22 insurance Vermont, count on UltraCar Insurance to find you the best rate possible. For fast Vermont SR22 insurance quotes, click the quote button or call us today!
This article was last updated on May 21st, 2023 by UltraCar Insurance