Did you know you can rent a car with SR-22 insurance? Renting a car for the holidays with an SR-22 requires the same process as renting a car with standard insurance.
Most national car rental companies require a valid driver’s license and a credit card to rent the vehicle. Car rental companies prefer credit cards, but debit cards are sometimes accepted. There are some typical fees, such as an extra cost for traveling out of state. Or if you’re under 25, you may be obligated to pay an additional fee to drive a rented vehicle of your choice.
Most states have mandatory limited liability car insurance to get behind the wheel. The minimum differs from state to state; like SR-22 requirements, each state may have stricter SR-22 laws than others.
Every year, millions of drivers travel on the road to get to their holiday destinations. If you plan to join these holiday drivers and you have an SR-22 requirement, having an insurance policy is a necessity. But if you still have questions about how to rent a car with SR-22 insurance for the holidays, read on to learn more.
Who Can Rent a Car With SR-22 Insurance?
Any driver with a valid license can rent a car. If you have one or more of the following violations, you may have concerns about your ability to rent a car:
- Several traffic citations
- Reckless driving
- DUI
- Driving while uninsured
- Revoked or suspended driver’s license
Regardless of the severity of your driving record and the number of citations, renting a car for the holidays may be possible as long as you have a valid driver’s license.
Although an SR-22 filing is called insurance, it’s actually a certificate of insurance. Many states refer to the certificate of insurance as a “Certificate of Financial Responsibility.”
The SR-22 proves that your state DMV or a judge granted you a second chance to get on the road as a lawful motorist. A legal driver has a valid driver’s license and car insurance. The certificate of financial responsibility is paired with your insurance policy.
Each national car rental company has policies on whether to run a driving record background check. The SR-22 or proof of insurance may prompt the car rental company to request extra insurance coverage for property damages as a condition to rent.
According to the Federal Trade Consumer Advise, the additional car insurance purchased from a car rental company is often called a Collision Damage Waiver or Loss Damage Waiver.
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Can You Rent a Car with Non-Owner SR-22 Insurance?
Yes. A non-owner SR-22 insurance policy provides liability coverage for drivers who don’t own a personal vehicle. You can rent a car and possibly have coverage for property damage for the other driver. Liability coverage also covers bodily injuries.
But be sure to read the fine print of your vehicle rental agreement to ensure you have enough liability coverage as suggested by the company. Remember that non-owner insurance does not include damage to your rented vehicle. Repairs are not covered by non-owner insurance.
Collision coverage and comprehensive insurance are needed to be protected from unexpected repairs. Collision coverage and comprehensive insurance are not required by any state to get behind the wheel. Non-owner SR-22 insurance is the minimum coverage to legally drive if you decide not to own a personal vehicle.
As discussed above, if you have non-owner SR-22 insurance, the car rental company may require additional car insurance because you’re considered a high-risk driver.
Who Cannot Rent a Car With SR-22 Insurance?
If you have a suspended or revoked driver’s license, a car rental company cannot provide you with a vehicle. If your license is suspended, complete each obligation to reinstate it before renting a car.
It is also possible for a car rental company to deem a driver too risky based on the number of DUIs on their record. A recent DUI on your driving record can also deny you access to renting a vehicle. Rejection is not easy in any situation. But if you’ve been ordered to have an ignition interlock device installed in your vehicle, you must make other travel arrangements.
The ignition interlock device will require you to do a breathalyzer test to start the ignition in your personal vehicle. Once you’ve completed your 1-3 year ignition interlock program, renting a car in the future is possible.
Get Your SR-22 Insurance Today
Now that you understand how to rent a car with SR-22 insurance, get an online quote from our partner for cheap car insurance today. We’ll help you get back on the road in time for that holiday trip!