When you need to reinstate your driver’s license, but do not own a vehicle, you may purchase non owner SR22 auto insurance. A non owner SR22 certificate is an endorsement (rider) to a non owner insurance policy. A non owner insurance policy is generally written with the minimum liability coverage required by the state in which the policyholder resides; however, higher coverage limits can be purchased to suit your comfort level and needs. Please note that a non owner insurance policy does not require an SR22 attachment. A non owner insurance policy can be purchased without an SR22 rider if you want to have additional insurance coverage when driving a non owned vehicle.
How does non owner SR22 insurance work?
A non owner SR22 insurance policy is also referred to as an operator or named-operator policy. It serves as secondary insurance on any non owned vehicle that the policyholder may occasionally drive. In other words, if you borrow a vehicle and have an accident, the vehicle owner’s primary insurance policy pays claims up to its coverage limits, assuming you had the owner’s permission to drive the vehicle. A non owner insurance policy becomes effective only if the claims exceed the vehicle owner’s primary insurance coverage limits. If this happens, the non owner SR22 insurance then pays any additional claim amounts.
Both a non owner insurance policy and a non owner SR22 insurance policy can be easily converted to an owner/owner-operator policy by contacting your agent and requesting the vehicle to be endorsed (added) to the policy. This is not an automatic process – it must be done by calling your insurance agent and providing the vehicle information. The premium will generally increase depending on the year, make and model of the vehicle. You may also obtain a non owner policy with full comprehensive and collision coverage.
A non owner insurance policy with or without an SR22 endorsement is not designed to cover a teenager living at home and driving vehicles owned by a parent or other household member. Any teenager with a valid driver’s license must be added to the parent’s auto insurance policy. Unfortunately, this always involves a significant increase in the parent’s insurance premiums, and cannot be avoided.
Facts about non owner SR22 insurance / non owner auto insurance:
- It does not replace the primary insurance of a vehicle owner
- It does not cover teenage drivers living at home, as an alternative to adding them to the parent’s insurance
- It only covers liability; it does not contain comprehensive and collision coverage
- It does not cover rental vehicles
- It does not cover commercial vehicles
- It does not cover vehicles owned by individuals in the household or vehicles that are driven on a regular basis
- It does not cover you when driving any type of employment-related vehicle
When does a driver need to purchase 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
Other articles related to non owner SR22:
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 certain states. Please see our Broad Form Vehicle Insurance page for more information, or call to consult with an agent to find out if Broad Form SR22 Insurance is right for your situation.
Not all insurance companies can issue non owner or SR22 non owner policy. In fact, there are a very few that can. UltraCar Insurance offers non owner SR22 insurance, surveying the rates of several top insurance carriers to find the best rate and policy for your needs. Please feel free to call with any questions or concerns, or start an online quote today!