Nonowner and Standard Policy Inquiry
I’m considering obtaining a nonowner SR22 in California because my license is on hold for two years following a DUI. I plan to file a DL4006 since I currently reside out of state. Can I attach the nonowner SR22 to lift the hold on my license, obtain a new one, and then purchase a standard policy in my home state? Or is that not feasible? I’m just trying to save some money, as I know nonowner coverage tends to be less expensive.
It’s great that you’re looking into your options for getting your license reinstated. When it comes to non-owner SR-22 policies, here are a few points to consider:
SR-22 Requirement: Since you have a DUI on your record, you will need an SR-22 to demonstrate that you have the required insurance coverage, even if you’re filing a DL 4006 to update your address and status.
Non-Owner SR-22: A non-owner SR-22 insurance policy can be a more affordable option, especially if you don’t own a vehicle. This policy will meet your SR-22 requirement while you handle your license reinstatement process.
State Requirements: California typically requires the SR-22 to remain active for a specified period following a DUI. The non-owner SR-22 should work to clear the hold on your license, provided you meet all other reinstatement criteria.
New License and Policy: Once the SR-22 is in effect and you’ve filed the necessary paperwork to California’s DMV (DL 4006), you can usually apply for a new license in your current home state. After your license is cleared, you can also look into purchasing a regular insurance policy in your home state.
Consult with Your Insurer: It’s a good idea to speak directly with your insurance provider to ensure that they can issue a non-owner SR-22 and that it will fulfill the California requirements while you transition to a regular policy in your new state.
Make sure to keep track of deadlines and requirements in both states to avoid any issues with your license reinstatement. Good luck!