It is very possible after having your license suspended you get rid of your car all together. Maybe you do not have regular access to any vehicle, but still want to get your driver's license reinstated. You will need to look into purchasing a non owners insurance policy with an SR22 filing.
A non owners SR22 insurance policy will cover you against liability claims plus it will keep the state up to date with your car insurance currency. This particular type of policy is a smart choice for someone without regular access to a vehicle. It will give you the opportunity to get your license status back to good with minimal cost. At the bare minimum, you will need to purchase liability limits at your state's minimum limit requirement.
Get a Non Owners SR22 Insurance Policy
Call an insurance agency which handles lots of high risk car insurance policies. It is possible to purchase a policy online, but you will probably have an easier time speaking with an insurance agent for a policy like this. Give them all of your information and be forthcoming about your situation. A non owners car insurance policy only works if you meet specified criteria.
- You cannot own a vehicle
- There cannot be other accessible vehicles in the household even if they do not belong to you
- You cannot have a ignition interlock device requirement
Save Money
In comparison to a traditional car insurance policy, you will be paying pennies on the dollar for a non owners policy. It is really the smartest way to get back on your feet if you are able to without a car. Getting your driver's license in good standing before purchasing a car could potentially save you thousands of dollars!
Letting a car insurance policy with an SR22 filing is a very bad idea. The insurance carrier will notify the state and your driver's license will likely be revoked. You will have to start your probationary SR22 driving status all over again which is often a three year period. Keep your license valid by keeping up on your car insurance payments.