If your license has been suspended you’ll need to purchase 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. If you are pulled over or are involved in an accident and fail to produce a current and valid insurance card, your driver’s license can be suspended.
Reasons for requiring 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 is a rider that’s attached to your auto insurance policy and filed 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, and it also guarantees that you remain insured for a specified period of time in the future. The status of your SR22 policy is monitored to make certain that it never lapses. If it does, your insurance provider is required to file an SR26 form with the Vermont DMV. This results in your license being re-suspended and you will have to repeat the process to reinstate.
SR22 insurance Vermont without 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 a quick Vermont SR22 insurance quote, click the quote button, or give us a call today!
This article was last updated on January 25th, 2019 by UltraCar Insurance