What should individuals do if they are required to file an SR22 but do not own a vehicle?

If you are required to file an SR22 but do not own a vehicle, you should take the following steps to ensure you meet legal requirements and maintain your driving privileges:

  1. Understand the Requirement: First, clarify why you need an SR22. Common reasons include DUI/DWI convictions, serious traffic violations, driving without insurance, or having your license suspended or revoked. Understanding the requirement will help you explain your situation to insurance providers.
  2. Purchase a Non-Owner Auto Insurance Policy: Look for insurance companies that offer non-owner auto insurance policies. This type of policy provides liability coverage for drivers who do not own a vehicle but still need to meet financial responsibility requirements. It’s specifically designed for individuals who might occasionally drive rented or borrowed vehicles.
  3. Request an SR22 Filing: When purchasing your non-owner insurance policy, inform the insurance company that you need an SR22 filing. The insurance provider will prepare and file the SR22 certificate with your state’s Department of Motor Vehicles (DMV) or the appropriate state agency. This certificate serves as proof that you carry the minimum required auto insurance coverage.
  4. Confirm the SR22 Filing: After your insurance company has filed the SR22, ensure you receive confirmation that the filing has been accepted by your state’s DMV or relevant agency. Keep a copy of the SR22 certificate and any related documentation for your records.
  5. Maintain Continuous Coverage: It’s crucial to maintain continuous insurance coverage for the entire period you are required to have the SR22—typically 3 years, but this can vary by state and situation. Any lapse in coverage can result in the suspension of your driving privileges and potentially restart the SR22 requirement period.
  6. Understand the Costs: Be aware that having an SR22 filing can increase your insurance premiums. Additionally, there may be a fee for the SR22 filing itself. Costs can vary by insurance company and state, so consider getting quotes from several providers to find the best rate.
  7. Follow Up with Your State DMV: After the SR22 filing and periodically throughout your required period, it’s a good idea to check with your state’s DMV to ensure your driving record reflects the SR22 and that your driver’s license status is in good standing.
  8. Plan for SR22 Requirement Completion: As you approach the end of your required SR22 period, consult with your insurance provider and state DMV on the steps to remove the SR22 filing from your policy and confirm any changes in your insurance rates or status.

By following these steps, you can navigate the SR22 requirement without owning a vehicle, ensuring you remain compliant with state laws and maintain your ability to drive legally.