What is a Non-Owners SR-22 Insurance?
Non-owner SR-22 insurance is available to certain drivers who do not own a car, and is mandatory to such drivers who are looking to have their driver’s license reinstated. In this particular case, the insurance covers only the driver for liability for when he or she would operate a non-owned vehicle.
Thus, in the event that the driver gets involved in a road accident while driving a non-owned car, the non-owner SR-22 insurance coverage will work to cover the resulting liability, as a source of indemnification secondary to the vehicle owner’s auto insurance.
As mentioned above, the non-owner SR-22 insurance is available only to certain drivers. Apart from the requirement that the driver must not be the owner of a vehicle, he or she must also be considered as a “high risk driver” under the law and by insurance companies before he or she is to be issued a non-owner SR-22 insurance. Usually, drivers are considered “high risk” if they have had their driver’s license suspended for the following reasons:
- Serious driving violations such as speeding or reckless driving
- Driving on a suspended, revoked, or expired driver’s license
- Driving under the influence of drugs or alcohol or both
- Excessive traffic tickets
- Presenting false documents
- Failure to provide a valid proof of insurance
In addition to these driving-related causes, other common circumstances that would lead to an SR-22 insurance requirement are involvement in child support or neglect cases, or if ordered by the court through court orders and other legal judgments.
A non-owner SR-22 insurance in Iowa provides assurance that high-risk drivers have the right coverage in the event of a road accident while operating a vehicle the driver does not own. Not only does this offer protection, it also provides peace of mind on the part of the driver and the vehicle owner. For instance, if you are a non-owner SR-22 insurance holder, liability coverage is assured even if you are to drive someone else’s car, such as when you borrow a car from a friend or relative. The latter, of course, is given some sort of security, too, because while your non-owner SR-22 insurance does not cover the vehicle, it nonetheless serves as a secondary liability coverage in the event of a mishap.
There are different limitations in a non-owner SR-22 insurance. For the state of Iowa in particular, there are certain vehicles that a non-owner SR-22 insurance holder is not covered to drive, such as:
- Employment-related vehicles
- Rental or commercial vehicles
- Vehicles owned by members of your household
Apart from these listed vehicles, another and very important limitation is that a non-owner SR-22 insurance does not allow the driver to drive an uninsured vehicle. For this reason, the vehicle must have a separate insurance policy secured by the owner, and it is the responsibility of the non-owner to confirm the insurance status of the vehicle he or she intends to drive.
The basics have been covered, but there certainly are many more to discuss about a non-owner SR-22 insurance in Iowa. For more information, give us a call or send us a message on our website.
You may also contact us for the best quotes in the area. Our team of SR-22 specialists will not only help you get the necessary insurance coverage based on your needs and circumstances, but will also help you get big savings in the process!
What is SR-22?
SR-22 is a form or document that is filed as proof that you meet your state’s minimum liability insurance requirements. SR stands for ‘safety responsibility’, and truly, this document, as provided by your insurance company, certifies that you have financial responsibility and liability coverage in case of a road mishap.
Understandably, people mistakenly think that SR-22 insurance is a type of insurance. While it does act like an insurance policy in that it is provided by your insurance company and has something to do with liability coverage, an SR-22 insurance is simply a document or form filed with your state that shows that your auto insurance policy meets the minimum liability coverage required by law. It is a requisite for those whose driver’s licenses have been suspended or revoked for certain reasons, usually for driving-related violations.
Not every motorist needs an SR-22. As mentioned earlier, there are certain circumstances where an SR-22 shall be required. In general, a driver who is considered “high risk” under the law and by insurance companies before he or she is to be required an SR-22. Usually, and in the state of Iowa, drivers are considered “high risk” if they have had their driver’s license suspended for the following reasons:
- Serious driving violations such as speeding or reckless driving
- Driving on a suspended, revoked, or expired driver’s license
- Driving under the influence of drugs or alcohol or both
- Excessive traffic tickets
- Presenting false documents
- Failure to provide a valid proof of insurance
In addition to these driving-related causes, other common circumstances that would lead to an SR-22 insurance requirement are involvement in child support or neglect cases, or if ordered by the court through court orders and other legal judgments.
There are different types of Iowa SR-22 forms, which, of course, applies to different drivers/owners. In particular, the following are the various types of Iowa SR-22 certificates:
- SR-22 Operators Certificate, which covers the driver for the operation of any non-owned vehicle he or she has been given permission to operate
- SR-22 Owners Certificate, which covers the driver in driving any vehicle owned by him or her
- SR-22 Operators-Owners Certificate, which covers any vehicle owned by the driver and any vehicle that are not owned by him or her but is allowed by the owner to be operated by someone else
- Non-Owners SR-22 Insurance, which covers a driver without a car or vehicle allowed to borrow one from another person
If you need an SR-22 in Iowa, we are here to assist. Whatever type of SR-22 it is that you need based on your needs and circumstances, we are ready to help, as we have previously done so for many drivers and owners in the state. Our SR-22 specialists promise to give you the best rates for maximum savings!
Contact us for the best quotes! Give us a call or send us a message on our website for questions on rates, insurance types and requirements, average cost of insurance coverage, and any other concerns in connection with Iowa SR-22. We will get back to you as immediately as possible.
How do I get an SR-22 in Iowa?
If you are considered by state law as a “high risk driver” who has had his or her driver’s license suspended, then you are very much likely to get an SR-22 based on your specific circumstances and needs. Essentially, this is a requirement before you can have your driver’s license reinstated and can validly drive again.
To reiterate, drivers are considered “high risk” and are thus required to get an SR-22 for serious driving-related violations such as excessive traffic tickets, driving under the influence of drugs or alcohol, reckless driving, among others. In addition to these driving-related causes, other common circumstances that would lead to an SR-22 insurance requirement are involvement in child support or neglect cases, or if ordered by the court through court orders and other legal judgments.
For such drivers, operators, or vehicle owners, they will more or less have to follow these steps to get an Iowa SR-22:
- Find the right insurance company. Not all insurers issue SR-22s in Iowa. If your insurance company or the one you have recently found does not or is not legally qualified to issue an Iowa SR-22, you will have to find a car insurance company that does/is.
- Pay the necessary fees. As your chosen insurance company will have to file your SR-22 forms on your behalf, you will have to pay the processing fee as charged by the insurer. As for the payment of premiums, these usually are paid on an installment basis, spread out typically throughout the duration or period of the SR-22. Rates for these will vary, depending on the kind of SR-22 filed for, as well as the age, credit score/history, and amount of insurance coverage.
- Verify minimum liability coverage. In relation to the previous step, liability coverage will depend on the specific circumstances of every motorist. As for the minimum insurance coverage requirements that varies for every state, Iowa follows the 20/40/15 rule:
- $20,000 bodily injury liability (BIL) for one person
- $40,000 bodily injury for two or more people in one incident of road mishap
- $15,000 property damage liability
- Wait for confirmation from your insurer and the state of Iowa. Your insurance agent will file your SR-22 application with the Iowa’s DOT Office of Driver Services. Thereafter, the insurer and the state will inform you once your SR-22 has been accepted.
- Take note of your SR-22 period. Once you have been issued an Iowa SR-22, you will have to keep it for a certain number of years (usually two years) once your driver’s license is reinstated. If you do not keep track and let your SR-22 lapse, you might run the risk of driving or using a vehicle with a suspended license and registration.
For your SR-22 needs in Iowa, let our SR-22 experts handle them all! We promise cheap fees and insurance rates for maximum savings, apart, of course, from the efficiency of our services and our expertise in the field.
For more information, give us a call or send us a message on our website. We will get back to your inquiry or concern as immediately as possible.
