The State of Mississippi requires certain drivers, e.g., DUI offenders and those who violate the Mississippi Safety Responsibility Act, to carry a special liability insurance that most people refer to as "SR22 insurance." In Mississippi, an SR22 requirement lasts for 3 years.
An SR22 insurance policy is a liability policy that requires an insurance company to file an SR22 form with the Mississippi Department of Public Safety. The SR22 form is "proof of future financial responsibility" and it proves that you will be financially responsible if you get into an accident in the future. The State keeps the SR22 form on file, and if your SR22 policy is ever canceled, then your insurance company notifies the Department of Public Safety, and you get into trouble.
If you do not own a vehicle, but you need SR22 insurance, then you will need to purchase a non-owner SR22 insurance policy. If you have non-owner SR22 insurance, and you get into an accident, your insurance will cover the other drivers involved in the accident and their vehicles. It will not cover you or the vehicle you are driving.
DUI offenders may run into trouble with non-owner SR22 insurance if the court orders them to install an ignition interlock device (IID) in their vehicle. One will likely need to own a vehicle in order to fulfill an ignition interlock requirement, and therefore, will need to purchase traditional owner's SR22 insurance.
Mississippi non-owner SR22 insurance must be provided by an insurance company licensed to do business in the State of Mississippi. You can locate those companies by entering your zip code into our online quote form.
For More Information:
For more information about Mississippi non-owner SR22 insurance, contact the Mississippi Department of Public Safety at 601-987-1212 or firstname.lastname@example.org.
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