What is non owners SR22 insurance? It’s a financial responsibility form drivers must file with the state DMV to reinstate their suspended driver’s license. In most cases, people who don’t own a car likely still have a driver’s license. If the state suspends it, or they need high-risk insurance for other reasons, they must obtain non owners SR22 insurance to regain their driving privileges.
What does it cover?
Non owners SR22 insurance is liability-only coverage that covers you if you drive a vehicle owned by another person. Since non owner insurance does not insure a vehicle, it cannot include comprehensive or collision coverage. It does not cover rental vehicles, a vehicle registered in your name, a vehicle in your household, or a vehicle you use regularly or frequently. If you purchase a car while you’re carrying SR22 non owner insurance, you’ll need to contact your insurance agent to convert to an SR22 owner policy and add the vehicle to the policy. After endorsement of the vehicle, your premiums will increase depending on the year, make and model of the vehicle.
Non owners SR22 insurance is considered secondary insurance. It includes minimum coverage for bodily injury and property damage. If you borrow someone’s car to drive, the car owner’s insurance on the vehicle is primary. If you cause an accident, your secondary non owner SR22 insurance only covers claims that exceed the car owner’s insurance coverage. Therefore, you must be sure that any vehicle you drive is insured by the vehicle owner, because damage or injury will not be covered by your SR22 non owner insurance alone.
What are non-owner insurance requirements?
Non owners SR22 insurance is a monitoring system that ensures that you maintain SR22 liability insurance during the time period you’re required to carry it (usually three years). You must keep the SR22 policy current, without lapse of coverage. Your insurance provider will notify the Department of Motor Vehicles in your state if your SR22 non owner policy lapses during the probationary period, resulting in re-suspension of your driver’s license. In order to continue legally driving a non-owned vehicle, you will have to pay a reinstatement fee and file a new non owners SR22 insurance certificate. This can be costly, and should be avoided if possible.
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