i do not own a vehicle and need to file sr22 to reenstate my license
Total Comments: 13
Posted: Tue Nov 11, 2008 10:24 pm Post Subject:
Probably ought to start calling some agents or get on line, check your state Dept of Ins's web site they will likely have a list of ins. company's that will sell this to you
Posted: Tue Nov 11, 2008 11:53 pm Post Subject:
I looked at the State dept of insurance for my state. It really is very informative. Chances are you will get answers there.
Posted: Wed Nov 12, 2008 04:23 am Post Subject: SR-22 & No Vehicle
SR-22's can be a pain. Not all companies write those policies. You want something called a non-preferred policy. You might check with an independent agent for a company to help you out.
When I was selling with a preferred carrier, we had a liability-only policy for people who didn't own a car, but still needed coverage. I would ask for a liability/no car policy from the independent agent.
Posted: Wed Nov 12, 2008 08:29 am Post Subject:
I'd agree with the Car Insurance Guy, not all insurer offer the Sr-22 coverage, since its considered as the high risk coverage and cost more to the insured. Hence, you may have to search little further to find an insurer who'll offer you the coverage.
Its possible to purchase the Sr-22 policy even when you don't own a car, only you have to search for the non-owner Sr-22 form.
~Jeremy
Posted: Wed Nov 12, 2008 08:39 am Post Subject:
The DMV would like to see that you carry some type of liability coverage and can pay a claim upto the limit of the state minimum when required. The SR-22 can serve the desired purpose. The non-owner Sr-22 will serve as the proof of financial liability for drivers, who don't own a car, but are required the proof of coverage to reinstate the license.
Posted: Wed Nov 12, 2008 02:17 pm Post Subject:
The non-owner Sr-22
Wow this is a new one for me!
Can someone tell me what it is and/or why it would be needed??
[n]FK.[/b]
Posted: Thu Nov 13, 2008 04:09 am Post Subject:
Yeah, we often come across new things in the field of insurance, which reveal that how fast this industry evolves. However, non-owner Sr-22 is for people, who don't own car but needs the proof the insurance by the DMV.
The Sr-22 form isn't for regular drivers but for people who belong to the high risk zone with a spotty driving record and can't obtain a regular auto policy otherwise. The Sr-22 is a certificate that would act as a proof of insurance at the time of accident.
The non-owner Sr-22 policy wouldn't cover the car, but would only offer the liability coverage to the driver upto the limit of state minimum.
~Jeremy
Posted: Thu Nov 13, 2008 04:29 am Post Subject:
What you're looking for is commonly referred to as a "broad form" liability policy. This will do exactly what you described- it will provide liability coverage on any vehicle that fits within the definitions of the policy. Since most states, however, adhere to the "insurance follows the vehicle" rule, your policy would more than likely be considered secondary or "excess" coverage in the event that you got into a wreck.
Just in case you're not aware, this means that the owner's insurance coverage will normally provide for "permissive use" of the vehicle. For example, if you were to drive your friend's car, his car insurance would cover your use of the vehicle as long as you had permission to use it. The broad form coverage would apply to things like rental cars, if the non-owned auto wasn't insured (say your friend who loaned you his car didn't have insurance), and like I said, as secondary coverage in the event the insurance on the car you drove wasn't enough.
Not too many companies sell this kind of coverage, and you'll normally have to go with a sub-standard carrier, also know as non-standard. Call any independent agent, explain your situation, and you can take care of business. You'll need to find an agency that deals heavily with this, as most agencies only have a few non-standard carriers they deal with. The State Farms, etc. of this world won't do this. You'll hear names like "Viking," "National," "Superior" and probably some others you haven't heard of. I'm sure an agent out there knows who will do this for you.
Make sure you tell your agent that you need a "non-owner SR-22" to be filed with your state DMV, and make sure you get a copy! Some states diffentiate between "non-owner" and those who do own cars in the form that has to be filed.
This might be kinda spendy, depending on a number of factors. These are the only kind of companies that I know who will sell occasionally sell you insurance on a one-month policy at a whack basis, so maybe that will fit within your time frame.
Hope this helps!
InsTeacher 8)
Posted: Sat Jan 09, 2010 03:46 pm Post Subject: gDLZJmrTDboENiQK
comment1,
Posted: Thu Jul 07, 2011 09:18 pm Post Subject: Insuring your license without an Sr-22
I am just wondering is it possible to insure your license when you do not have an Sr-22? If that is possible, what does that cover?
Posted: Tue Nov 11, 2008 10:24 pm Post Subject:
Probably ought to start calling some agents or get on line, check your state Dept of Ins's web site they will likely have a list of ins. company's that will sell this to you
Posted: Tue Nov 11, 2008 11:53 pm Post Subject:
I looked at the State dept of insurance for my state. It really is very informative. Chances are you will get answers there.
Posted: Wed Nov 12, 2008 04:23 am Post Subject: SR-22 & No Vehicle
SR-22's can be a pain. Not all companies write those policies. You want something called a non-preferred policy. You might check with an independent agent for a company to help you out.
When I was selling with a preferred carrier, we had a liability-only policy for people who didn't own a car, but still needed coverage. I would ask for a liability/no car policy from the independent agent.
Posted: Wed Nov 12, 2008 08:29 am Post Subject:
I'd agree with the Car Insurance Guy, not all insurer offer the Sr-22 coverage, since its considered as the high risk coverage and cost more to the insured. Hence, you may have to search little further to find an insurer who'll offer you the coverage.
Its possible to purchase the Sr-22 policy even when you don't own a car, only you have to search for the non-owner Sr-22 form.
~Jeremy
Posted: Wed Nov 12, 2008 08:39 am Post Subject:
The DMV would like to see that you carry some type of liability coverage and can pay a claim upto the limit of the state minimum when required. The SR-22 can serve the desired purpose. The non-owner Sr-22 will serve as the proof of financial liability for drivers, who don't own a car, but are required the proof of coverage to reinstate the license.
Posted: Wed Nov 12, 2008 02:17 pm Post Subject:
The non-owner Sr-22
Wow this is a new one for me!
Can someone tell me what it is and/or why it would be needed??
[n]FK.[/b]
Posted: Thu Nov 13, 2008 04:09 am Post Subject:
Yeah, we often come across new things in the field of insurance, which reveal that how fast this industry evolves. However, non-owner Sr-22 is for people, who don't own car but needs the proof the insurance by the DMV.
The Sr-22 form isn't for regular drivers but for people who belong to the high risk zone with a spotty driving record and can't obtain a regular auto policy otherwise. The Sr-22 is a certificate that would act as a proof of insurance at the time of accident.
The non-owner Sr-22 policy wouldn't cover the car, but would only offer the liability coverage to the driver upto the limit of state minimum.
~Jeremy
Posted: Thu Nov 13, 2008 04:29 am Post Subject:
What you're looking for is commonly referred to as a "broad form" liability policy. This will do exactly what you described- it will provide liability coverage on any vehicle that fits within the definitions of the policy. Since most states, however, adhere to the "insurance follows the vehicle" rule, your policy would more than likely be considered secondary or "excess" coverage in the event that you got into a wreck.
Just in case you're not aware, this means that the owner's insurance coverage will normally provide for "permissive use" of the vehicle. For example, if you were to drive your friend's car, his car insurance would cover your use of the vehicle as long as you had permission to use it. The broad form coverage would apply to things like rental cars, if the non-owned auto wasn't insured (say your friend who loaned you his car didn't have insurance), and like I said, as secondary coverage in the event the insurance on the car you drove wasn't enough.
Not too many companies sell this kind of coverage, and you'll normally have to go with a sub-standard carrier, also know as non-standard. Call any independent agent, explain your situation, and you can take care of business. You'll need to find an agency that deals heavily with this, as most agencies only have a few non-standard carriers they deal with. The State Farms, etc. of this world won't do this. You'll hear names like "Viking," "National," "Superior" and probably some others you haven't heard of. I'm sure an agent out there knows who will do this for you.
Make sure you tell your agent that you need a "non-owner SR-22" to be filed with your state DMV, and make sure you get a copy! Some states diffentiate between "non-owner" and those who do own cars in the form that has to be filed.
This might be kinda spendy, depending on a number of factors. These are the only kind of companies that I know who will sell occasionally sell you insurance on a one-month policy at a whack basis, so maybe that will fit within your time frame.
Hope this helps!
InsTeacher 8)
Posted: Sat Jan 09, 2010 03:46 pm Post Subject: gDLZJmrTDboENiQK
comment1,
Posted: Thu Jul 07, 2011 09:18 pm Post Subject: Insuring your license without an Sr-22
I am just wondering is it possible to insure your license when you do not have an Sr-22? If that is possible, what does that cover?
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