SR22 Non Owner Insurance

Do you need SR22 insurance but don't own a car? We can help.

If you don’t own a vehicle and need to reinstate your driver’s license, you’ll need SR22 non owner insurance. This type of insurance covers only you, the policyholder when you drive a borrowed car. Non owner insurance is secondary insurance coverage because it only pays claims that exceed a vehicle owner’s primary auto coverage.

When you want to reinstate your license and don’t own a vehicle, you’ll have to buy SR22 non owner insurance. UltraCar Insurance provides SR22 filings in 34 states. When you’re eligible for license reinstatement, we’ll file your certificate with the state DMV.

Reasons for SR22 non owner insurance:

You can purchase this insurance with or without an SR22 certificate. However, in many cases, people buy it with an SR22 endorsement to reinstate their driver’s license. This type of insurance allows you to legally drive a borrowed vehicle while the state requires you to carry SR22 insurance. You must keep the policy current during that period. Circumstances of each person’s license suspension vary; however, most people must maintain this insurance for three years. If you don’t keep your policy current, the state will suspend your license again and may assess additional fines or penalties.

The state can require you to carry non owner SR22 insurance for:

Driving without state-mandated insurance coverage
Accumulating excess points on your driving record
Refusing to submit to a DUI test
Driving under the influence (DUI or DWI)
Reckless driving
Court judgments
Nonpayment of child support

How does non owner insurance work?

With a non owner filing, the SR22 certificate is attached to a non-owner insurance policy (rather than to an auto policy). SR22 non owner insurance is secondary insurance with liability-only coverage. If you cause an accident when driving a borrowed vehicle, this insurance pays claims that exceed the vehicle owner’s insurance coverage. Non-owner insurance coverage only pays claims to the other party involved in the accident. It won’t cover damage to the vehicle you were driving or injury to any passengers in the car you’re driving. So before you drive someone’s car, you must have their permission and confirm that the vehicle is insured.

As mentioned, people sometimes purchase non-owner car insurance without an SR22 filing. It benefits those who occasionally borrow a car to drive, providing additional liability coverage if they cause an accident. Another reason for carrying non-owner car insurance is to provide uninterrupted liability coverage if you don’t own a vehicle for a time.

Limitations and exclusions

Because non owner policies don’t insure a vehicle, they exclude the following:

Comprehensive and collision coverage
Towing charges
Operating rental, commercial, and employment-related vehicles
Cars owned by others in your household
Vehicles you can drive frequently