How is Non Vehicle Owner different than SR22 Non Owner policy?

non owner

Non-vehicle owner insurance and SR-22 non-owner policies serve different purposes, but they can overlap in certain situations. Here's how they differ:

  1. Non-Vehicle Owner Insurance:
    • Non-vehicle owner insurance, also known as non-owner car insurance, is a type of auto insurance policy designed for individuals who do not own a vehicle but need liability coverage for occasional driving.
    • This type of insurance provides liability coverage when the insured individual drives vehicles they do not own, such as rental cars or vehicles borrowed from friends or family.
    • Non-vehicle owner insurance typically offers liability coverage, covering bodily injury and property damage that the insured is legally responsible for in the event of an accident while driving a non-owned vehicle.
    • Non-vehicle owner insurance may be suitable for individuals who do not own a car but need insurance coverage for occasional driving.
  2. SR-22 Non-Owner Policy:
    • An SR-22 non-owner policy is a specific type of insurance policy that includes an SR-22 filing, which certifies that the insured individual has the required minimum insurance coverage mandated by the state.
    • This type of policy is typically required for individuals who have had their driver's license suspended or revoked due to certain traffic offenses, such as driving under the influence (DUI) or driving without insurance.
    • An SR-22 non-owner policy provides liability coverage for the insured individual when driving vehicles they do not own, similar to non-vehicle owner insurance.
    • However, the primary purpose of an SR-22 non-owner policy is to satisfy the state's requirement for proof of insurance coverage, particularly for individuals with a history of driving violations.

In summary, non-vehicle owner insurance is a broader term that refers to insurance coverage for individuals who do not own a vehicle but need liability coverage for occasional driving. On the other hand, an SR-22 non-owner policy specifically includes an SR-22 filing and is often required for individuals with a history of driving violations to comply with state insurance requirements. While they serve different purposes, they both provide liability coverage for driving vehicles the insured does not own.