When you want to restore your driving privileges and you don’t own a vehicle, you’ll need to buy non owner SR22 insurance. The SR22 certificate is an endorsement (rider) to a non owner insurance policy. Non owner insurance complies with the minimum liability coverage required by your state. However, you can buy additional coverage to suit your budget and needs.
Reasons people buy non owner SR22 insurance
- DUI or DWI offenses
- Reckless driving
- Refusal to submit a blood or breath test
- Uninsured accidents
- Too many points on the DMV driving record
- Child support or neglect cases
- Legal judgments
How does non owner insurance work?
Non owner insurance is an operator or named-operator policy. It is secondary insurance that covers you when you drive a non-owned vehicle. If you borrow a car and cause an accident, the vehicle owner’s insurance pays claims up to its coverage limits (assuming you had the owner’s permission to drive it). Your non owner SR22 insurance becomes effective only if claims exceed the vehicle owner’s insurance coverage. If that happens, your secondary non owner insurance pays any additional claim amounts.
Non owner insurance coverage
Be aware that there are limitations to non owner insurance coverage.
- Does not replace the primary insurance of a vehicle owner
- Will not cover teenage drivers living at home (as an alternative to adding them to a parent’s insurance policy)
- Liability-only coverage; does not include comprehensive and collision coverage
- Does not cover you when driving a rental, commercial, or employment-related vehicle
- Excludes you from operating any vehicles owned by others in your household or vehicles you can drive regularly
Broad Form Insurance
There is another type of non owner insurance called a Broad Form SR22. UltraCar Insurance also offers a Broad Form policy with an SR22 endorsement in some states. See our Broad Form Vehicle Insurance article for more information, or talk with an agent to find out if Broad Form SR22 Insurance is right for you.
Non owner insurance without SR22
You can buy a stand-alone non owner insurance policy; it doesn’t require an SR22 attachment. You can get non owner insurance without an SR22 rider if you want additional insurance coverage when driving a borrowed vehicle.
What if I buy a car?
Your insurance provider can easily convert your non owner SR22 insurance to an owner/owner-operator policy. But this is not an automatic process. You need to call your insurance agent and provide the vehicle information to add to the policy.
Your premiums will generally increase depending on the year, make, and model of the vehicle. You may also want comprehensive and collision coverage with your owner SR22 policy, which will additionally increase the cost.
Not all insurance companies can issue non owner or SR22 non owner policy; there are very few that can. UltraCar Insurance offers non owner SR22 insurance, surveying the rates of top insurance carriers to find the best price and policy for your needs. Call with any questions or concerns you have, or click the quote button to get started!