Reader’s Question:

Can I get an SR-22 even if I do not own a car?

Bonnie

Good Question Bonnie.

The answer is yes.

The type of SR-22 for people who need this certificate of insurance but do not own a car is called non-owners SR22.

Generally, a non-owners SR-22 will allow you to drive any car that you are given permission by the car owner to operate a vehicle and verifies to the state regulatory body that you have the financial responsibility.

This non-owner policy does not cover you in any car that you operate. Each state varies, but generally it will not cover you for a vehicle registered to you, one in your household, or a vehicle provided for your regular use. If you have a car registered to you, one in your household, or someone provides a vehicle for your regular and frequent use, you should NOT purchase a non-owner policy. You should only buy a non-owners SR22 only if you do not own a vehicle or have access to a car on where you can place your sr-22 on.

You may be able to get a non-owners liability SR22 insurance policy with any insurance companies. Shop around to check which insurance company may be be able to give you the cheapest policy.

Goodluck!

MariCAR

Reader’s Question:

Am I going to be notified by the DMV if I no longer need to carry the sr-22?

John

Good Question John.

It actually depends upon the law of the state and guidelines of the Department of Motor Vehicles whether they will notify you or you need to call the state about removing the SR22. In some states, DMV will send notification that you no longer need to carry the SR-22, while other states may not require their DMV to do so.

If the DMV is not required to let you know when your period to carry the SR-22 is already up, then you were likely told already when you started carrying the SR-22 when you would be able to cancel it.

I would suggest that you check with your state DMV to get information if your SR-22 time limit is up and if so how to go about canceling it. You may also talk to your insurance agent about removing it or you may need to provide your insurance agent with some documentation from the DMV that you are no longer required to carry the sr-22.

In most states when you terminate your SR-22, your insurance company will need to file a SR-26 to notify the state that you terminated the SR-22. This is a form showing the cancellation of SR-22 financial responsibility certificate insurance in the form of sr-26.

Goodluck!

MariCAR