If you’re a driver in La Crosse, Wisconsin, who doesn’t own a vehicle but needs to meet SR-22 requirements, understanding non-owner SR-22 insurance is crucial. At Preferred Insurance Agency, we’re here to guide you through this process and help you secure the coverage you need.
What Is Non-Owner SR-22 Insurance?
Non-owner SR-22 insurance provides liability coverage for individuals who drive but don’t own a car. It’s typically required for drivers who’ve had their licenses suspended or revoked due to serious traffic violations, such as DUIs or driving without insurance. The SR-22 certificate is a form filed with the state to prove you carry the mandated liability insurance.
Who Needs Non-Owner SR-22 Insurance?
You might require non-owner SR-22 insurance if:
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License Reinstatement: You’ve had your license suspended or revoked and need to prove financial responsibility to regain driving privileges.
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Frequent Car Borrowers: You often rent or borrow vehicles but don’t own one yourself.
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Avoiding Coverage Gaps: You want to maintain continuous insurance coverage to prevent higher premiums in the future.
Wisconsin’s Minimum Liability Requirements
In Wisconsin, non-owner SR-22 insurance must meet the state’s minimum liability coverage:
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$25,000 for bodily injury per person
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$50,000 for bodily injury per accident
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$10,000 for property damage
Benefits of Non-Owner SR-22 Insurance
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License Reinstatement: Fulfills legal requirements to reinstate your driving privileges.
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Liability Coverage: Protects you financially if you’re at fault in an accident while driving a borrowed or rented vehicle.
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Continuous Coverage: Helps avoid lapses in insurance, which can lead to higher rates later on.
How to Obtain Non-Owner SR-22 Insurance in La Crosse
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Contact Preferred Insurance Agency: Reach out to our team to discuss your specific situation and needs.
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Provide Necessary Information: Share details about your driving history and any prior violations.
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Policy Issuance and SR-22 Filing: We’ll help you obtain a non-owner insurance policy and file the SR-22 certificate with the Wisconsin DMV on your behalf.
Why Choose Preferred Insurance Agency?
At Preferred Insurance Agency, we specialize in helping La Crosse residents navigate complex insurance requirements. Our local expertise ensures you receive personalized service tailored to Wisconsin’s regulations. We work with multiple carriers to find you the most affordable and appropriate coverage for your situation.
Take the Next Step
If you need non-owner SR-22 insurance in La Crosse, don’t navigate this process alone. Contact Preferred Insurance Agency today to learn more about your options and get back on the road with confidence.
Preferred Insurance Agency
401 King St. La Crosse, WI 54601
608-881-6566
Filed Under: Auto Insurance | Tagged With: #Dairyland, #DUI, #PreferredInsurance, #sr22