No car insurance Alabama is an insurance policy for people who don’t own a vehicle. Usually known as non-owner insurance, it covers you if you occasionally drive a borrowed car. In many cases, people buy this type of policy with an SR22 attachment so they can reinstate their suspended license. However, some people need a non-owner SR22 policy to comply with a court order or other legal judgment. You can also get a straight non-owner policy just to have additional coverage when you drive a non-owned vehicle.