SR22 non owner insurance is a type of high risk auto insurance for individuals who do not own a car. It is sometimes called non driver SR22 insurance. UltraCar Insurance can help when you need to file a non owner SR22 certificate with your state DMV. You may be required to carry non owner SR22 insurance if you’ve been cited for:
- Driving without state mandated insurance coverage
- Accumulating excess points on your driving record
- Refusal to submit to a DUI test
- Driving under the influence (DUI or DWI)
- Reckless driving
- Court judgments
- Non payment of child support
If you have had your driver’s license suspended and do not own a vehicle, purchasing a non owners SR22 policy is a requirement for driver’s license reinstatement. Carrying this type of policy will allow you to legally drive a non-owned vehicle during the time period assigned by your state DMV, providing you do not let the policy lapse during that time. Each circumstance of license suspension can vary, but you will usually be required to carry SR22 non owner insurance for three years. If you do not keep your non owner policy in force, you risk loss of your driving privileges and may incur more fines or penalties.
Your SR22 non owner insurance is a secondary insurance policy with liability only coverage. This means that if you cause an accident while driving a non-owned vehicle, your SR22 insurance pays claims that exceed the vehicle owner’s primary insurance coverage, up to the limit of the non owner SR22 policy. Being a liability only policy, SR22 non owner insurance only covers personal injury and/or property damage incurred by the other party that is involved in the accident. Before you get behind the wheel, you must have permission to drive the vehicle , and you must confirm that the car is insured by the vehicle owner.
There are exclusions and limitations to SR22 non owner insurance. Non owner SR22 policies EXCLUDE comprehensive and collision coverage, rental and commercial vehicles, towing charges, vehicles owned by another person in your own household, alternative coverage for teen drivers in the household, or any vehicles that you drive frequently.
Talk with an UltraCar Insurance agent if you have any questions about your particular situation. We’re here to assist you from SR22 non owner insurance quotes to the filing and renewal of your SR22 certificate.