Thanks5/17/2019 Non-Owner SR22 insuranceGetting non-owner car insurance with a SR-22 can save you money. If you need a SR-22 and your current insurer doesn't offer it, then sometimes you can buy a SR-22 non-owner policy with a second company. Your original policy would be your primary and your SR-22 policy would allow you to get your required SR-22 filed with the state -- but without switching your primary insurer. Your non-owner policy would not cover any vehicles since it would come with an exclusion for any owned autos and autos regularly used and thus is not duplicate coverage. The SR-22 car insurance provider would require you to buy the same limits of liability that are on your primary policy.
If you have a primary insurance provider that you don't want to lose due to your need for an SR-22, because you have bundled coverage or other reasons, buying a separate non-owner policy to comply with the SR-22 requirement can be a smart move. Why is an SR-22 required?Many associate the need for an SR-22 with drivers who have a DUI on their record. If this is the case for you, read about DUI insurance. In reality, the SR-22 can be required for a variety of reasons, depending on where you live. Common circumstances that result in an SR-22 requirement include the following: > DUI or DWI or other major alcohol violation conviction > Serious moving violation conviction, such as reckless or negligent driving > Several traffic offenses in a short time period > Driving without insurance conviction > Being involved in an accident while driving without insurance > Being caught by the state not carrying car insurance on your registered vehicle > A requirement for you to obtain a hardship or probationary license > A requirement to reinstate your driver's license after a suspension or revocation Meeting the SR-22 requirement can help you get your license and/or registration reinstated and thus get you back on the road. You'll know it's required when you're informed by the court or state. The notification should inform you why an SR-22 is required, the insurance requirements and how long the SR-22 form must stay on file with the state. A form called the FR-44 is similar to the SR-22 but requires drivers to carry much higher liability limits. It is currently only required in Florida and Virginia for drivers who have been convicted of certain alcohol-related violations.
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