While the term SR-22 is commonly used in the context of car insurance, not everyone understands what it means. If you’re unfamiliar with an SR-22, it’s a form of insurance verification that many states require of drivers who have committed serious traffic offenses such as DUIs and hit-and-runs. In this post, we will discuss SR22 insurance without a vehicle and get an answer to the question, Can I get SR22 insurance without a vehicle?
If you’ve been found guilty of a serious driving offense, your state may require you to get an SR-22 in order to keep your license. You might even have to get an SR22 insurance policy if you don’t own a car. In such cases, you will require a non-owner SR-22. In any case, understanding what these forms are and how to obtain one can be beneficial. The good news is that you don’t usually have to do much to obtain one. If you meet the requirements, your auto insurance company will usually handle the majority of the process.
SR22 Insurance Without a Vehicle
Have you ever had your license suspended or revoked? When the time comes to take the necessary steps to reclaim it, obtaining an SR22 form from your vehicle insurance provider is a critical step. It will file this document with your state agency on your behalf.
An SR22 filing is not the same as insurance. It’s a document used by your insurance company to demonstrate to the government that they will insure you up to the legally required minimum amounts. According to The Balance, judges do not mandate that every ticketed driver obtain an SR22. State laws frequently differ. However, you may be required to provide this form to your Department of Motor Vehicles (DMV) in the following circumstances:
- Driving while intoxicated (DWI)
- Driving under the influence (DUI)
- Serious or repeat traffic violations
- At-fault collision with no insurance
The terms and requirements for SR22 vary by state. Allstate, on the other hand, suggests the following basic guidelines:
- Depending on your area’s regulations, you may be required to have an SR22 demonstrating continuous insurance coverage for three years or longer.
- If you let your policy lapse or expire during this time, your insurance company will notify the motor vehicle department in your state.
- Failure to comply with all the SR22 filing terms will almost certainly result in a license suspension.
- Once you have satisfactorily completed your state’s SR22 requirements, the government will lift your filing status.
Even if you don’t own a car, the court may require you to provide an SR22 certificate. If you get into an accident while driving a friend’s car or renting a vehicle, the state may hold you liable for personal injury or property damage claims.
Why Would I Need SR22 Insurance Without a Vehicle?
If you have been convicted of a DUI, a hit-and-run, or several minor offenses, the state may require you to get an SR-22 form. This is required of drivers who have demonstrated a high level of risk. Assume that your driving record shows you are more likely to cause expensive damage to a car or less likely to keep the level of car insurance that the law requires. In these cases, the state may consider you a high-risk driver and require you to file an SR-22, which proves that you have the required amount of vehicle insurance.
Non-owner SR22 Insurance
Non-owner SR22 insurance is a policy created by carriers to protect drivers who do not own a vehicle but are required by the state to file an SR22 as proof of financial responsibility. Even if you don’t own a vehicle, most states require you to file an SR22 after a judge sentences you for a major moving violation, such as reckless driving or a DUI.
If you don’t intend to drive until the state’s provision is lifted, you may be able to cancel your coverage. However, depending on your area’s regulations, you may be required to carry it for three to five years, regardless of your non-owner status.
Did you sell your car after losing your license because you couldn’t drive it anyhow? Even if you don’t have regular access to a car, you should consider having your driver’s license reinstated at some point. If this is the case, we recommend contacting your vehicle insurance agent and asking about a non-owner SR22 insurance policy.
Non-owner policies with an SR22 cost between $15 and $25, or about 3% more than a standard non-owner policy, according to WalletHub. Because this coverage only applies to drivers and not vehicles, it is typically less expensive than a standard SR22 add-on.
This cost is primarily made up of the carrier’s service fee for filing the form with your DMV, as well as the additional risk that drivers who require an SR22 pose. The exact cost of a non-owner SR22 policy is determined by where you live and the amount of insurance required by the court.
SR22 filings without a vehicle will cost you pennies on the dollar compared to a traditional car insurance policy. Making sure your driver’s license is in good standing before purchasing a vehicle can save you thousands of dollars.
When Would I Need SR-22 Insurance Without a Vehicle?
The same circumstances that can result in an SR-22 can result in the need for SR-22 insurance without a vehicle. In essence, committing these traffic violations while driving a car that you do not own can result in the need for a non-owner SR-22. Many drivers do not own a vehicle and instead rent one. Non-owner auto insurance and non-owner SR-22s are designed to address these issues.
Can I Get SR22 Insurance Without a Vehicle
Yes, it is possible to meet SR-22 requirements without owning a vehicle. An SR-22 form must be filled out by drivers who have been found guilty of serious driving offenses like driving under the influence (DUI), driving while intoxicated (DWI), or driving without a valid license. An SR-22 may also be required if you commit multiple traffic violations in a short period of time. For these types of offenses, you may be required to file an SR-22 form as part of the process of regaining your driving privileges.
If you are required to file an SR-22 but do not own a vehicle, you can obtain non-owner car insurance. Non-owner insurance will provide liability coverage that is required by your state.
How Do I Get an SR-22 Without a Vehicle?
Before you can obtain SR22 insurance without a vehicle, you must first meet your state’s mandatory auto insurance requirements. This is known as a basic liability or minimum coverage in most states. If you don’t own a car, you’ll need to find an insurance company that offers non-owner minimum coverage auto insurance. Once you have this policy, you can inform your insurance company that you require an SR-22 even if you do not own your vehicle. They will provide you with one after a filing fee and processing time.
Here’s how to get an SR-22 without a vehicle
- The state must first require or request that you obtain one.
- If you do not have non-owner car insurance, look for one that does.
- If you don’t already have one, get a non-owner car insurance policy.
- Inform your insurance agent that you need to file an SR-22 as a non-owner.
- Pay the filing fee and wait for the form to be delivered.
What Does a Non-Owner SR-22 Insurance Policy Include?
These forms typically provide information on basic liability or minimum coverage. The SR-22 verifies that you have the state’s minimum auto insurance requirement and does not address coverages that exceed this requirement. The SR-22, for example, covers basic liability but not collision or comprehensive. Most states only require basic liability, which can be used to pay for the expenses of others if you are at fault in an auto accident. The SR-22s serve as proof that you have met the minimum coverage car insurance requirements.
SR22 Cross-State Without a Vehicle
Although not all 50 states have an SR22 high-risk insurance program, they do honor the SR22 requirements of other states. If you relocate from a state where you have an SR22 obligation to another, you must obtain an out-of-state SR22 filing. You must maintain SR22 insurance for the entire time the state requires it, regardless of whether you move to another state. Another thing to consider is that if you discontinue your SR22 coverage, your new state will not issue you a driver’s license. Unusual circumstances can sometimes make obtaining an SR22 without a car more difficult.
Obtaining Non-Owners SR22 Insurance
When you need non-owner SR22 insurance, contact a company that specializes in high-risk policies. While it is possible to obtain a policy online, it is often preferable to speak with a live agent. These professionals can assist you in selecting the best coverage for your needs.
A non-owner policy must also meet certain criteria, such as:
- You are not permitted to own a vehicle.
- You are not permitted to use any other vehicles in the household, even if they belong to someone else.
- Furthermore, you are not permitted to have an ignition interlock breath device condition.
This type of SR22 insurance policy will not get you a driver’s license. It will, however, put you in good standing with the state and provide you with coverage if you are ever in an accident.
As an example:
You borrow your friend Steve’s car and get into a major accident. Steve’s vehicle only has the state’s minimum liability coverage, and the damage exceeds those limits. If you have a non-owners policy, it will kick in to help cover the difference.
Remember, never let an SR22-compliant vehicle insurance policy lapse. This is always a bad idea because your insurance company is required to notify the state when your policy is canceled. This action will almost certainly result in a driver’s license suspension. If you allow this to happen, you may be required to restart your probationary driving status. This unfortunate circumstance may result in another probationary period of three years or more, so always pay on time, every time.
Do you need SR22 insurance if you don’t own a car? Use the information in this guide to help you navigate this frequently confusing topic.
Frequently Asked Questions
How much is SR22 insurance?
Insurance companies base your insurance rate on several factors. Age, gender, zip code, driving record, marital status, and zip code are among these factors. The cost of insurance can vary greatly from person to person.
Can I file a Non-Owner SR22 insurance certificate if I do own a vehicle?
No. According to state law, all vehicles registered to the driver must be covered by the insurance policy to which the SR22 filing is attached. This is mandated by law: 16431 of the California Vehicle Code (b)
Which states require SR-22?
Each of the 50 states has its own SR-22 requirements. Even though the basics are the same, liability and requirements for each person vary from state to state.
What if I need an SR-22 in a state that I don’t live in?
If you need to file an SR-22 in a state where you do not live, contact SR22InsuranceNow. Our executives will assist you in filing an SR-22 anywhere in the United States at any time.
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