Non owner SR22 insurance in Colorado

The Colorado DMV SR-22 page states that filing one may be required when you reinstate from specified suspensions and revocations. The cases appear in the reinstatement FAQ.

Having no insurance is involved in two of them. Revocation may follow a court conviction for no liability insurance, but no action is taken if the DMV receives an SR22 form before the action date. A stop where an officer cannot verify insurance brings an Affidavit and the Notice of Suspension. A second such stop adds four months of suspension. Eight more months are added after a third or later stop.

The form is also required in alcohol cases, with filing periods from nine months to three years.

The FAQ says a no-insurance conviction means three years of SR-22, and the three years begin on the conviction date on your ticket. Choosing the SR22 route after a stop without proof means three years. The DMV's receipt of the form sets the start date. A first revocation with a BAC of .08 or more has a shorter period: nine months after reinstatement, unless there was an accident. In that case, it lasts three years.

Each of those actions has the same $95 reinstatement fee from the state. A $25 DUI restoration fee also applies to alcohol-related offenses after 1/1/22. The DMV pages list no state fee of any kind for the SR-22 form itself. Find out from your insurer whether it adds a charge.

According to the DMV, an insurance agent can give you the form when you buy liability insurance. After that, upload it at myDMV or mail it with the Application for Reinstatement, Form DR 2870.

About 30 days before your eligibility date, mail your papers, as the reinstatement process page says. The DMV also does not tell drivers when their period ends, according to the page. Keep the first letter you received. It lists the start and end dates.

When discussing the SR-22, the Colorado DMV pages we read do not set non-owner policies apart from other policies. Ask your insurer directly if, on a policy covering a driver with no car, it files Colorado SR-22 forms.

The Colorado Division of Insurance lists a bodily injury minimum of $25,000 when one person is hurt and $50,000 for the accident as a whole. Damage to another person's property has a $15,000 minimum.

A lapse means you lose your license. According to the DMV page, failure to keep the SR-22 current leads your insurer to tell the DMV that it has ended but remains required, which suspends your license on that basis alone.

Cancelling early starts its own action. The FAQ shows a $95 reinstatement fee for that action. Before the old SR-22 expires, have the new one filed if you switch insurers.