Do You Need SR22 Insurance If You Do Not Own A Car?

After being charged with a major driving violation, such as driving under the influence or driving without insurance, you might be told that you are required to purchase SR22 auto insurance. SR22 insurance is almost always a requirement after major driving violations, and you should realize that you will need to buy a policy even if you do not have a car.

What Is SR22 Coverage?

SR22 coverage is something that is needed by high-risk drivers to prove they have insurance coverage. SR22 does not really give you extra coverage, so to speak, but it does require the insurance company to keep in touch with the DMV about your insurance. If you purchase a policy, you will receive a letter to give to the DMV. If your policy lapses, your insurance company will send a letter to the DMV right away to let them know.

Why Do You Need It If You Do Not Have a Car?

When told that you need an SR22, you should understand that you will need it whether you own a car or not. The main reason for this is because there will be a length of time you must have continuous auto insurance coverage, and this is usually three years. During the time frame in which you must have the insurance, you cannot let it lapse. The coverage must be consecutive. If you do not own a car, you still need to keep the policy going.

It is important to know that if you do not own a vehicle, you can purchase SR22 that is designed for non-owners. This means that you will still receive the coverage, but you are not protecting a certain vehicle. A non-owner policy will satisfy the requirement that you must follow.

What Are the Consequences of Not Getting SR22 When You Need It?

If you decide not to get SR22 insurance coverage, there are several things you should understand. The first is that the DMV might revoke your license, and you can expect this to happen if you miss the deadline for getting the coverage. Secondly, you might never be able to receive a driver's license again, or you could have to wait many years to get it back. It is easier to get an SR22 policy and keep in place for the time frame you are told, rather than to skip buying it or let it lapse.

If you are told that you need SR22 insurance, you should start looking for a policy right away. If you would like a quote, contact an auto insurance company of your choice today.