Non-owner SR-22 insurance is a secondary policy that covers you when you drive a non-owned vehicle. For instance, suppose you borrow a car from a friend and cause an accident. In that case, your friend’s insurance will pay claims up to the coverage limits of their auto policy, provided you have the owner’s permission to drive the vehicle.
SR-22 non-owner insurance coverage starts when accident claims exceed your friend’s insurance coverage. In such instances, your insurance policy will pay those claims.
