Virginia Non Owners Insurance

Virginia Non Owners Insurance

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Virginia Non Owners Insurance

Last updated on September 12th, 2018 by

Why would you need to purchase Virginia non owners insurance? When your driver’s license is suspended and you don’t own a vehicle, you’ll be required to purchase a non owner insurance policy with an SR22 attachment to reinstate your driving privileges. This type of policy insures you against liability in case of an at-fault accident when driving a non-owned vehicle.

A motor vehicle violation or legal judgment in Virginia can result in suspension of your driver’s license. If you don’t own a vehicle, you’ll need to carry Virginia non owners insurance with an SR22 attachment in order to reinstate your driving privileges during your license suspension period.Common reasons for license suspension are driving a motor vehicle without proper insurance coverage, or driving a borrowed vehicle that is not properly insured by the owner. Other reasons for license suspension include accumulating too many points on your driving record, non-compliance with a legal judgment (such as non-payment of fines, child support, etc.) or a violation of Virginia DUI laws.

Why do I need Virginia non owners insurance?

Many 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, you may not understand why you’re being required to carry it. We can clarify this by explaining 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 in order to drive their own vehicle during their license suspension period. This is referred to as a Virginia SR22 owners certificate, and it is endorsed to their existing auto insurance policy.

To reinstate your driver’s license when you don’t own a vehicle, you must file a Virginia non owners insurance certificate with an SR22 attachment. This will allow you to drive on a limited basis when needed. It insures you when you operate a vehicle owned by someone else. So, the difference between Virginia SR22 owner insurance and Virginia non owners insurance involves ownership of a vehicle.

How does Virginia non owners insurance work?

When you purchase a Virginia non owners insurance certificate, your insurance provider files it with the DMV by electronic transmission. In most cases, you must carry non owners SR22 insurance for up to 3 years, but this can vary on a case by case basis. The SR22 certificate is monitored closely, and if the non owner insurance policy ever lapses, your license will be suspended again.

Virginia non owners insurance is secondary insurance. If you borrow another person’s vehicle and are in an accident in which you’re at fault, the vehicle owner’s primary insurance pays claims first, and your Virginia non owner SR22 policy covers claims that exceed the primary insurance coverage limits. It’s important to know that your non owners insurance coverage may not pay claims at all if the vehicle you drive is not insured by the owner. So it’s essential to make sure that any vehicle you drive is properly insured.

The Virginia DMV website has more information about reinstating a suspended driver’s license.

UltraCar Insurance can file your Virginia non owners insurance certificate with the Virginia DMV and provide you with your SR22 certificate in less than 20 minutes. You will always get accurate advice from our Virginia licensed agents, with no obligation to purchase. Call today for Virginia non owners SR22 insurance quotes, or click the button above to start a quote now.


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