Non-Owner SR22 Insurance

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If you do not own a car but occasionally drive one and you require to file SR22 insurance then non-owner SR22 insurance is for you.

What is non-owner SR22 insurance?

Non-owner SR22 insurance policy is for drivers who do not own a car but need file an SR22 to get their driving privileges reinstated. The policy is required when you are driving a private passenger vehicle that you have no ownership of. In a non-owner SR22 policy only the owner of the policy is insured.

Who needs non-owner SR22 insurance?

If your driver’s license is suspended due to

  • Driving under the influence. DUI/DWI
  • At-fault accidents without insurance
  • Driving without insurance

The DMV (department of motor vehicle) will require you to get SR22 insurance whether you own a car or not. A non-owner policy will help you reinstate your driving license.

What are the limitations of non-owner SR22 insurance?

  • The policy depends on how often you borrowed a car.
  • The policy does not extend coverage to your spouse’s car.
  • A vehicle that is registered to your home address will not be covered under the policy
  • It does not cover damages to the vehicle you were driving
  • It does not cover medical bills of any injury sustained by you from the accident
  • It also doesn’t cover any other damage or injury cost incurred by you or your passengers

How long is non-owner SR22 insurance required?

Usually, SR22 insurance is required for 3-years from the time your driving license gets suspended. However, SR22 insurance requirement changes from state to state depending on the driving violation.

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