how can i get a quote for insuring my drivers license only w

Message Author
ampm-bookmark
delicious-small Add to delicious
yahoomyweb-small Add to YahooMyWeb
blinklist-small Add to BlinkList
PostPosted: Tue Nov 11, 2008 8:36 pm   Post subject: how can i get a quote for insuring my drivers license only w  

i do not own a vehicle and need to file sr22 to reenstate my license

sharlalivengood
New member
Leave a quick message



Joined: 11 Nov 2008
Posts: 1


1.42 Dollars($)

PostPosted: 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



_________________

"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr.
Lori
Forum Expert
Leave a quick message

Lori
Forum Expert

Joined: 10 Sep 2007
Posts: 8080

Location: Missouri
287.93 Dollars($)

PostPosted: 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.

fireyone
Senior member
Leave a quick message

fireyone

Joined: 07 Jan 2008
Posts: 1986


2.37 Dollars($)

PostPosted: Wed Nov 12, 2008 4:23 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.

CarInsuranceGuy
New member
Leave a quick message

Car Insurance Guy

Joined: 12 Nov 2008
Posts: 34

Location: Texas
16.38 Dollars($)

PostPosted: Wed Nov 12, 2008 8:29 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

JeremyHolter
Senior member
Leave a quick message

Jeremy Holter

Joined: 06 Jun 2007
Posts: 1185


210.40 Dollars($)

PostPosted: Wed Nov 12, 2008 8:39 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.


_________________
Register Now to have your Insurance queries solved.
cameron
Guest







PostPosted: Wed Nov 12, 2008 2:17 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]

FK
Senior member
Leave a quick message

FK

Joined: 10 Feb 2008
Posts: 290

Location: Pa.
41.08 Dollars($)

PostPosted: Thu Nov 13, 2008 4:09 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

JeremyHolter
Senior member
Leave a quick message

Jeremy Holter

Joined: 06 Jun 2007
Posts: 1185


210.40 Dollars($)

PostPosted: Thu Nov 13, 2008 4:29 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 Cool

InsTeacher
Forum Expert
Leave a quick message

InsTeacher
Forum Expert

Joined: 13 Aug 2007
Posts: 1398

Location: Oregon, USA
127.26 Dollars($)

PostPosted: Sat Jan 09, 2010 3:46 pm   Post subject: gDLZJmrTDboENiQK  

comment1,


_________________
Register Now to have your Insurance queries solved.
Mfwkwyes
Guest







PostPosted: Thu Jul 07, 2011 9:18 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?


_________________
Register Now to have your Insurance queries solved.
Gina M
Guest







PostPosted: Thu Jul 07, 2011 9:19 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?


_________________
Register Now to have your Insurance queries solved.
Gina M
Guest







PostPosted: Thu Jul 07, 2011 9:20 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?


_________________
Register Now to have your Insurance queries solved.
Gina M
Guest







All times are GMT
Page 1 of 1


Get free auto insurance quote
State Auto Insurance Laws in USA

USA Auto Insurance laws
Ask Community Experts

flash plugin

Quick Links

Must See

Community

Hot topics in forums

Latest in blogs

AmPmInsure on Facebook



Page loaded in 4.841 seconds.