Non Owner SR22 Insurance Explained
If you own a car in the United States it’s compulsory for you to have auto insurance. But what if you do not own a car but still occasionally drive. Would you still require an Auto Insurance? The answer is yes. If you find yourself renting cars frequently, driving your friend’s car, then maybe non-owner car insurance is for you.
Additionally, SR22 auto insurance is a legal requirement in over 40 states across the United States if you’ve been convicted of a DUI/DWI. Similarly, a Non-owner SR22 auto insurance requirement is also a legal requirement but the law surrounding non-owners SR-22 insurance also varies by state.
In this article, we are going to cover
- What is Non-Owner Auto insurance?
- What is Non-Owner SR22 insurance?
- How does non-owner SR22 insurance work?
- What does it cover?
- What it does not cover?
- Who needs non-owner SR22 insurance?
- How to get Non-owner SR22 insurance?
So let’s get started.
What is Non-Owner Auto insurance?
Nonowner auto insurance is an auto insurance liability coverage that covers bodily injury and property damage to drivers who drive a vehicle they do not personally own. This way, if you were to be in an accident that caused bodily injury, or damage to property, your non-owners insurance policy would shield you from lawsuits.
Your non owner liability coverage will pay for injuries and property damage to the other party.
Additionally, your non owner auto insurance can also include:
- Medical payments or personal injury protection coverage
- Uninsured or underinsured motorist liability insurance
- Rental car liability coverage
What you need to remember is that a non owner insurance coverage will not cover any damages to the car you were driving, nor will it cover the medical bills or other costs from injuries you sustain from the collision.
What is Non owner SR22 insurance?
Now, a Nonowner SR-22 insurance is a legal requirement in certain states for drivers who have been convicted of a DUI/DWI or any other driving violation. Even if you do not own a car but drive someone else’s vehicle, you will be required to maintain non-owner SR-22 insurance. A non-owner SR22 insurance is designed for drivers that are required to have SR-22 insurance but do not own a car. If you were involved in an incident that was your fault and had your license suspended, you may have to get SR22 nonowner insurance in order to reinstate your driving privilege.
How does non owner SR22 insurance work?
Non owner insurance only covers the owner of the policy, meaning it is taken on a per person basis and will only cover the driver the auto insurance belongs to.
Additionally, a nonowner SR-22 insurance will not only cover you against liability claims in the vehicles you drive but will also keep the state up to date with your car insurance currency.
When convicted of a DUI, you lose your legal right to drive a car. However, if you still occasionally want to drive but do not have your own car, a non-owner SR22 auto insurance could help you legally drive someone else’s vehicle.
A non-owner SR22 insurance will give you the opportunity to get your license reinstated with minimal cost. You will be required to purchase liability insurance defined by your state’s minimum limit requirement.
For example, Your friends own a car that has the state’s minimum coverage requirement. You borrow that car and cause an accident, then your non-owners SR-22 car insurance policy will cover the expenses of the other party, only if severe damages that exceed those limits. Meaning your non-owners policy would only come in to help pay off the remainder.
What does a non-owner SR-22 cover?
This policy is not just going to make you legally entitled to drive a car after you’ve been in an accident, but it is also to provide some protection if you are in an accident.
Assuming you were at fault, a nonowner SR-22 insurance will cover you of any liabilities when you get behind the wheel of someone else’s vehicle including
- Medical bills of everyone in the other vehicle
- Property damage, including vehicle repair expenses
- Additional personal injury expenses incurred by the other driver and passengers, such as lost wages and emotional trauma, etc.
Assuming you were at fault, a nonowner SR-22 insurance will cover you of any liabilities when you get behind the wheel of someone else’s vehicle including
- Medical bills of everyone in the other vehicle
- Property damage, including vehicle repair expenses
- Additional personal injury expenses incurred by the other driver and passengers, such as lost wages and emotional trauma, etc.
What does Non-owner SR22 not cover?
Assuming you were at fault in the collision, a Non owner SR22 insurance does not cover
- Damages to the vehicle you were driving
- Medical bills of any injury sustained by you from the accident
- Any other damage or injury cost incurred by you or your passengers
You may also want to note that your non owner’s SR-22 insurance may not cover any damages if you were driving the vehicle of someone you live with, such as your parents or your roommate. In this instance, you will have to be listed in their auto insurance policy to be covered. Additionally, if you have DUI/DWI this could raise the cost of their insurance premium.
Also, note that the non owner sr22 insurance varies from state to state. There are 12 states in the U.S that are no-fault states. This means regardless of whose fault it was in an accident your car insurance may automatically cover certain medical expenses.
Who needs non-owner SR22 insurance?
Anyone who does not own a car but has had their license suspended due to driving violation will require non-owners SR22 insurance in order to drive an un-owned vehicle or get his/her license reinstated.
However, not all drivers can buy Non-owner SR22 insurance. In some cases, drivers convicted of a DUI or DWI are required to install an interlock device or similar device on your own vehicle, which prohibits you from driving anybody else’s vehicle. In this case, you will not be allowed to buy non-owners SR22 car insurance. This will be explained to you by the court.
How to get Non owner SR22 insurance?
Finding affordable non-owners auto insurance is not difficult. You can purchase non-owners auto insurance for all major insurance companies after browsing and comparing the prices from various insurance providers at Insuranecexr. At Insurancexr, you can get FREE instant quotes for non-owner SR22 insurance.
Non owner SR22 insurance will vary from state to state insurance. In order to get SR22 insurance, you will need your driver’s license number. Then once you have chosen the car insurance company, they will file an SR-22 on your behalf or any other state-required form for a fee ranging between $15 to $50 on your behalf, if you need it.
