Non owner SR22 insurance in Missouri

Department of Revenue FAQ on mandatory insurance says a suspension begins if the Department requests proof of insurance and you have no active policy. If an operator or owner is involved in a crash without liability insurance, the Driver License Bureau insurance page says a Notice of Suspension follows.

If a crash is involved, the suspension lasts 0 days for a first offense, 90 days for a second, and one year for a third. That case requires an SR-22, and an insurance ID card will not be accepted.

Some other suspensions also require an SR-22. The chart of reinstatement requirements lists ignition interlock revocations, alcohol-related suspensions, unpaid accident judgments and traffic-ticket points.

How long it lasts depends on the reason. The Department wants a three-year SR-22 period following a mandatory insurance suspension, counted from your eligible reinstatement date. Points, judgments, alcohol cases and interlock revocations each require two years from the date the suspension or revocation starts.

The chart shows the reinstatement fees set by the state. The first mandatory insurance suspension costs $20, the second $200, and the third or later $400. For points or judgments, the cost is $20. An alcohol-related suspension costs $45.

When several reasons apply to you, only one SR-22 is filed. No state fee for the form appears on the Department pages we read. Your insurer may charge you extra, so ask about it.

According to the Department, your insurance company may submit the proof on an SR-22 form for you. According to its FAQ, the SR-22 comes from your insurer. You contact an insurer for the policy and the form.

For a fax, send the filing to the Department of Revenue. By mail, include it with your reinstatement papers for the Driver License Bureau in Jefferson City. For a mandatory insurance suspension with no crash, a copy of your insurance card works as proof. The SR-22 is not the only option in every situation.

Under Missouri Revised Statutes 303.190, liability policies come in two types: an owner's policy and an operator's policy. Coverage for the named person applies to any vehicle they do not own under an operator's policy, with limits equal to an owner's policy.

The limits are $25,000 for a single hurt person, $50,000 for multiple hurt people and $25,000 for property damage. The term non-owner does not appear on the Department pages we read. Ask your insurer whether the operator's policy it offers can carry a Missouri SR-22.

According to the Department's insurance page, proof must stay on file for the three years following the end of the suspension. Should the proof lapse, your license or plates are suspended again by the Driver License Bureau.

Unless you file new proof and pay a $20 reinstatement fee, that suspension continues for the remaining three years. Using an electronic verification system, insurers with a Missouri license also have to report the drivers they cover to the state.