Minnesota non owners insurance is high-risk insurance for people who want to reinstate their suspended driver’s license. If you don’t own a car or other vehicle, you’ll file a non-owner SR22 certificate. The certificate is an endorsement to a non-owner insurance policy that insures you when you drive a non-owned vehicle. This type of insurance is secondary insurance, meaning it pays claims only after the vehicle owner’s insurance has paid claims.
Filing a Minnesota non owners insurance certificate allows you to reinstate your suspended license when you don’t own a vehicle. Depending on the offense, you may have a waiting period before the state grants license reinstatement. In the case of DUI offenses, there is usually a 30-day to 180-day waiting period for reinstatement after you pay all fines and fees.