I have non-owner SR22 and just bought a car. How do I switch without a gap?
You need to switch from a non-owner SR22 policy to an owner SR22 policy before your non-owner policy cancels. The key is timing — your new owner policy must be active and the SR22 re-filed before the old one drops. Call your agent immediately when you purchase a vehicle so the transition can happen seamlessly.
Steps to Switch
- Call us before or immediately after buying the car — Don't wait days or weeks. The sooner we know, the faster we can set up the owner policy.
- Get the owner SR22 policy in place — We'll quote an owner policy with the required SR22 coverage for your new vehicle.
- New SR22 is filed — Your new carrier files a fresh SR22 certificate with the state.
- Cancel the non-owner policy — Only after the owner policy is active and the new SR22 is confirmed on file.
Don't Drive Uninsured
Your non-owner SR22 provides liability coverage when driving vehicles you don't own. The moment you own a vehicle, you need owner coverage on it. For why even a few minutes on the wrong policy counts as a gap in Florida, see buying a car on a non-owner SR22. Driving your own car on a non-owner policy means the vehicle itself isn't properly insured — and if you're in an accident, you have a problem.
Call (855) 678-6977 as soon as you buy or plan to buy a vehicle.
Ready for Your Quote?
Talk to a licensed agent who specializes in SR22 and FR44 filings. Same-day electronic filing in 10 states.