Reinstating your suspended driver’s license when you don’t own a vehicle starts with purchasing a certificate called Vermont non owner SR22 insurance. Non owner SR22 is a certificate of financial responsibility you file with the Vermont DMV to reinstate your driver’s license. You’ll need to maintain this insurance without interruption for three to five years.
How does non owner SR22 insurance work?
Your insurance provider attaches a non owner SR22 certificate to a non-owner insurance policy. They then file the certificate with the Vermont DMV. The state considers the financial responsibility form as a guarantee of future insurance coverage. Therefore, the insurance company monitors the status of your policy to ensure you keep it in force. If the policy lapses, they must notify the DMV by filing an SR26 form. When this happens, the DMV will suspend your license again.
Rather than insuring a specific vehicle as an owner SR22 policy does, Vermont non owner SR22 insurance covers you if you drive a non-owned vehicle. Non owner SR22 insurance coverage is secondary to a vehicle owner’s primary insurance. If you cause an accident while driving a borrowed car, the vehicle owner’s primary insurance pays claims first. Your non owner policy pays any claims that exceed the primary coverage.
Limitations of non owner insurance:
- It’s only for individuals who don’t own a vehicle
- It covers only one person – you, the policyholder
- It is liability-only coverage; you can’t add comprehensive or collision coverage
- Does not cover any vehicles in your household
- It won’t cover vehicles you drive frequently
- It doesn’t cover commercial, rental or employment-related vehicles
- See non owner insurance coverage for more information about non owner insurance limitations
What if I buy a vehicle while I have non owner SR22 insurance?
You must keep your SR22 policy in force for the duration of your license suspension period. If you initially needed a non owner SR22 policy and later purchase or receive a vehicle registered in your name, you will need to switch to a Vermont owner SR22 policy. Be sure to contact your insurance provider before buying a vehicle so they can register the policy change with the state. This prevents a license suspension due to a lapse of coverage.
You can learn more about driver’s license suspensions and reinstatement on the Vermont DMV website.
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