Non owner SR22 insurance

A non-owner SR-22 policy is a type of auto insurance coverage designed for people who frequently drive but do not have their own vehicle. It provides the required liability coverage and meets the SR-22 filing requirements even if you don’t have regular access to a car.

Here’s how a non-owner SR-22 policy works:

1. Liability Coverage: Non-owner SR-22 insurance provides liability coverage for bodily injury and property damage liability, just like a regular auto insurance policy. This coverage is essential to meet the state’s minimum insurance requirements for drivers with SR-22 filings.

2. No Vehicle Ownership: Since you don’t own a car, the policy won’t cover any vehicles you may have regular access to, such as a family member’s car or a friend’s vehicle. It only provides coverage for you as a driver.

3. SR-22 Filing: The insurance company will file the SR-22 certificate with the state on your behalf, as required by law. This proves that you have the necessary insurance coverage to maintain your driving privileges.

4. Affordability: Non-owner SR-22 policies are generally more affordable than standard auto insurance policies since they do not cover a specific vehicle.

Who needs a non-owner SR-22 policy?

1. License Reinstatement: If your driver’s license has been suspended or revoked due to serious driving violations, such as DUI/DWI, reckless driving, or multiple traffic offenses, you may be required to file an SR-22 to have your driving privileges reinstated.

2. Compliance with Court Order or DMV: In some cases, a court or the Department of Motor Vehicles (DMV) may require you to carry SR-22 insurance as part of your sentence or probation.

3. Maintaining Continuous Coverage: Even if you don’t own a car, you might need an SR-22 to maintain continuous insurance coverage. If you’re planning to get a car in the future, having continuous insurance history can help you get more favorable rates when you eventually purchase a vehicle.

It’s essential to check with your state’s DMV or FR44 & SR22 Experts to understand the specific SR-22 requirements in your area and to determine if a non-owner SR-22 policy is the right solution for your situation.