Non-Owner SR-22 Insurance – Some people find themselves needing the SR-22 form when it comes to maintaining driving privileges after a major traffic violation such as DUI, reckless driving, or driving without insurance.
However, what happens when you don’t own a vehicle? This is where non-owner SR-22 insurance comes in. Though it might sound complicated, it’s actually a helpful and often affordable way to meet state requirements without actually owning a car.
Furthermore, Non-owner SR-22 insurance is specifically designed for people who are required to carry SR-22 insurance but do not own a vehicle. This form of insurance provides liability coverage for drivers who borrow or occasionally rent vehicles.
It’s a legal requirement in many states for drivers who’ve committed certain infractions, even if they no longer or have never owned a vehicle.
What is Non-Owner SR-22 Insurance?
Non-owner SR-22 insurance is a liability-only policy that satisfies the SR-22 filing requirement for drivers who do not own a car. It acts as proof to the state that you carry the minimum liability coverage required by law.
What’s more, it’s important to understand that SR-22 is not a type of insurance itself; it is a form filed with your state by your insurer to confirm you are covered.
Additionally, this insurance policy covers bodily injury and property damage liability in the event that you’re involved in an accident while driving a vehicle you don’t own. In contrast, it does not cover damage to the borrowed vehicle or any medical bills for yourself.
If you regularly drive someone else’s car or occasionally rent cars, this coverage ensures you’re protected and compliant with the law. Here are some of the features of this Insurance:
- Liability coverage only
- It covers you when driving vehicles you don’t own
- It also meets state-mandated SR-22 requirements
Who Needs Non-Owner SR-22 Insurance?
If you’ve had violated a major driving rule, or your license was suspended or revoked, you may be required by the court or state DMV to file an SR-22 before getting your license reinstated.
If you don’t own a vehicle, a non-owner SR-22 policy is your best solution to comply with this requirement.
People who benefit from this policy typically fall into one of the following categories:
- Drivers with suspended licenses who want to reinstate them
- People caught driving without insurance
- Individuals convicted of DUIs/DWIs
- Drivers who need to maintain proof of insurance for a specific period
It’s also a useful option if you’ve sold your car but need to keep your insurance history active, avoid coverage gaps, or fulfill legal obligations.
How Much Does Non-Owner SR-22 Insurance Cost?
The cost of this insurance varies and depends on a range of factors including your driving record, age, location, and the insurance company you choose.
Generally, non-owner policies are less expensive than regular car insurance because they provide limited coverage and apply only when you drive vehicles you don’t own.
To get the best rates, it’s advisable to shop around and compare quotes from multiple insurance providers who offer SR-22 filings.
How to Get Non-Owner SR-22 Insurance
Getting this type of policy involves you taking a few simple but important steps. You can’t just buy it like regular insurance; it must be specially requested. Here are the steps to follow on what to do:
- Contact Insurance Providers; Not all insurance companies offer non-owner SR-22 policies. You can start by calling providers that specialize in high-risk drivers.
- Request a Non-Owner Policy with SR-22 Filing: Specify that you don’t own a car and need an SR-22 form filed. The insurer will prepare the appropriate documentation.
- Purchase and File the SR-22: Once you buy the policy, the insurer will file the SR-22 form with your state DMV on your behalf.
- Wait for Approval: It may take a few days for the DMV to process your SR-22. Once approved, your license reinstatement can move forward.
Pros and Cons of Non-Owner SR-22 Insurance
The Non-Owner SR-22 Insurance model offers many benefits and advantages to the policyholder. However, it would also be important to understand both the advantages and drawbacks. In the long run, this will help you make better decisions:
Pros:
- Satisfies legal SR-22 requirements without owning a car
- This insurance model also helps reinstate your driver’s license
- It is typically more affordable than full auto insurance
- Also, it avoids coverage gaps that raise future insurance rates
Cons:
- This model does not cover any vehicle damages
- It is not valid for cars you own or have regular access to
- It also has a limited availability depending on provider and state
Frequently Asked Questions
Is Non-Owner SR-22 Insurance Available In All States?
No, not all states support the non-owner SR-22 policies. Some states, like Delaware and Kentucky, do not require SR-22 filings at all. Hence, it is very important that you always check with your local DMV.
Can I Drive Any Car With Non-Owner SR-22 Insurance?
You can drive cars that you do not own and do not live with the owner. If you have regular access to a specific vehicle, you may need to be added to that car’s policy instead.
How Long Do I Need To Carry SR-22 Insurance?
Most states require SR-22 coverage for three years, but it can vary based on the offense and your state’s laws. Your DMV will specify the required duration.