What To Do If You Need To Carry An Sr-22 But Do Not Own A Car
Although you may not own a car, you may still be required to carry an SR-22. An SR-22 is a form you are required to have to due to DUI or being in a car accident without car insurance. Your license was suspended and you need your driving privileges reinstated. In order to do this you need to acquire a specific form of car insurance, even if you don't own a car.
If you are in SR-22 status, you, not your car, are considered a liability to other drivers. The SR-22 form must be purchased with non-owners liability SR-22 insurance. The form varies from state to state, but generally the policy that accompanies it proves that you will cover the other driver and the property damage that you cause in case of an accident. This kind of car insurance policy does not cover you or the car you may be driving.
So, you must find an insurance company that offers non-owners liability SR-22 insurance. Not all insurance companies offer this car insurance, so you may have to do some research. You can go through an insurance broker to save time and money on quote fees. It is also easy to use the Internet to find a company that offers this. Be sure that the company is reputable and recognized by the DMV. After doing so, purchase a car insurance policy and file the form with your state DMV. This will temporarily remove the suspension on your license and prove that you have a car insurance policy that protects other vehicles you may damage and other drivers you may injure.
Once you've purchased an appropriate policy, your insurance company should take care of the actual SR-22 form for you. If they don't file it themselves, they will at least fill it out and give it to you to file with DMV. Some companies offer same-day SR-22 filing for a small fee that will total the form's cost to just above the $25 average. Once your insurance is accepted, keep it active for the next 3 years. The SR-22 is a temporary form that eventually expires. It is important to keep track of all file dates and payment schedules to avoid multiple suspensions This is the most important step in the process because if the SR-22 expires or is cancelled before the required time, your license may be suspended again. You have about 15 days before your company is required by law to file an SR-26 form that indicates expiration.
Being required to have an SR-22 and purchasing car insurance when not even owning a car may seem like a pain, but following regulations will keep you out of further trouble.