License reinstatement for those who don’t own a vehicle starts with filing a high risk insurance certificate called Vermont non owner SR22 insurance. Vermont non owner SR22 insurance is a certificate of financial responsibility that a non-vehicle owner needs to file with the Vermont Department of Motor Vehicles as a condition for reinstatement of their driver’s license. The individual will then be required to keep the non owner SR22 policy in force without interruption for a specified period of time – typically three to five years in Vermont. When the individual purchases a non owner SR22 insurance certificate, it is filed by their insurance provider with the Vermont DMV. The insurance provider monitors the SR22 policy closely, and is obligated by law to alert the DMV if the coverage lapses, expires or is canceled by filing an SR26 form. When this happens, the DMV will suspend the individual’s license once again.
Rather than covering a specific vehicle as an owner SR22 policy does, Vermont non owner SR22 insurance covers any vehicle the policyholder may drive on an occasional basis. The coverage it provides is secondary to a vehicle owner’s primary insurance. If the non owner SR22 policyholder is involved in an at-fault accident while driving a borrowed vehicle, the vehicle owner’s insurance coverage pays claims up to its maximum limits, then the non owner SR22 policy pays additional claim amounts, if any.
Information regarding Vermont non owner SR22 insurance:
- It is only for individuals who do not own a vehicle
- Is written for one person only
- It is liability only coverage; comprehensive or collision coverage cannot be added to it
- It does not cover household vehicles
- It does not cover vehicles the policyholder drives frequently
- It does not cover commercial vehicles or rental vehicles
If you purchase a Vermont non owner SR22 insurance policy, and purchase or are gifted a vehicle that is registered in your name during the SR22 time period, you will need to switch to a Vermont owner SR22 policy.
UltraCar Insurance makes total customer satisfaction our priority. Let us find the right Vermont non owner SR22 insurance policy for you. Submit your request for non owner SR22 insurance quotes by using our secure online form, or give us a call today!