In Virginia, a motor vehicle violation or legal judgment can result in driver’s license suspension. When you don’t own a vehicle, you’ll need to obtain Virginia non owners insurance with an SR22 attachment to reinstate your driving privileges.
Reasons for license suspension
Typical reasons for license suspension include:
- Accumulating too many points on your driving record
- Not complying with a legal judgment (non-payment of fines, child support, or other legal matter)
- Violating Virginia DUI laws
When you don’t own a car, the state can suspend your license for driving a borrowed vehicle that’s uninsured.
Why do I need Virginia non owners insurance?
People who don’t own a vehicle still have a driver’s license for a variety of reasons. When you have no car but need SR22 insurance, it may seem strange to have to carry auto insurance. We can explain this by describing the difference between non owner SR22 vs SR22 insurance.
SR22 insurance Virginia is a financial responsibility form a vehicle owner must file with the Virginia DMV to drive after a license suspension. This type of SR22 is called an owners certificate, which is an endorsement to an auto insurance policy.
To reinstate your driver’s license when you don’t own a vehicle, you’ll file a Virginia non owners insurance certificate. In this case, the SR22 is an endorsement to a non-owner insurance policy.
Therefore, the difference between Virginia SR22 owner and non-owner insurance involves ownership of a vehicle.
How does non owners insurance work?
Non owner SR22 insurance is a guarantee of insurance coverage. When you buy Virginia non owners insurance, your agent electronically files the SR22 form with the DMV. The insurance underwriter monitors the status of your SR22 policy. If it lapses, underwriting informs the DMV, and the state will suspend your license again. In most cases, you’ll have to maintain non owner SR22 insurance up to three years; but the length of time may vary.
Non owner SR22 insurance allows you to drive an insured vehicle owned by another person. It insures you when you operate a vehicle you don’t own.
Virginia non owners insurance is secondary insurance. If you cause an accident while driving a borrowed vehicle, the vehicle owner’s primary insurance pays claims first. Your non owner SR22 policy then covers claims that exceed the vehicle owner’s insurance coverage. It’s important to know that your non owner coverage may not pay claims if the owner has not insured their vehicle. It’s essential to make sure that the owner of any car you drive carries insurance on the vehicle.
More about non owner SR22 insurance in Virginia
For more information about reinstating a suspended driver’s license, see the Virginia DMV website.
UltraCar Insurance can issue a Virginia non owners insurance policy and file your SR22 certificate in 20 minutes. You’ll always get accurate advice from our licensed agents, with no obligation to purchase. Call today for a Virginia non-owner SR22 quote, or click the quote button to get started.