What is a non-owner SR22 Insurance policy?

A non-owner SR22 insurance policy is a type of insurance coverage specifically designed for individuals who do not own a vehicle but still require an SR22 filing. It provides liability coverage for drivers who regularly borrow or rent vehicles, or who may occasionally drive a vehicle that does not belong to them.

Here are some key points to understand about non-owner SR22 insurance:

  1. Liability coverage: Non-owner SR22 insurance primarily offers liability coverage. This means it provides financial protection if you cause an accident while driving a vehicle that you do not own. It typically covers bodily injury and property damage liability to the limits required by your state.
  2. No vehicle ownership: Non-owner SR22 insurance is intended for individuals who do not own a vehicle. It is not meant to insure vehicles that you own or have regular access to. If you have regular access to a vehicle, you should consider a traditional auto insurance policy instead.
  3. SR22 filing requirement: Non-owner SR22 insurance is commonly required for individuals who have had their driver’s license suspended or revoked due to serious traffic violations, such as DUI/DWI or driving without insurance. The SR22 filing serves as proof of insurance coverage to the state’s Department of Motor Vehicles (DMV) or other relevant authorities.
  4. Coverage limitations: Non-owner SR22 policies typically do not provide coverage for physical damage to the vehicle you are driving. This means any damage to the vehicle you are driving would not be covered under the non-owner policy. It is essential to understand the coverage limitations and exclusions of the policy before purchasing.
  5. Rental car coverage: Non-owner SR22 insurance may offer some coverage for rental cars. However, it is important to check with the insurance provider to confirm the extent of coverage for rental vehicles, as policies can vary.

If you find yourself in a situation where you need an SR22 filing but do not own a vehicle, a non-owner SR22 insurance policy can fulfill the requirements while providing liability coverage for your driving activities. It’s crucial to consult with insurance providers and agents who specialize in SR22 insurance to find the right coverage for your needs. Call us or request your quote and we will review all the requirements with you.