What is non owners SR22 insurance? It’s a financial responsibility form that must be filed with the state DMV to reinstate a suspended driver’s license. An SR22 non owners certificate is filed by individuals who do not own a vehicle. In most cases, people who don’t own a car likely still have a driver’s license for identification. If your license has been suspended or if you’re required by the state to purchase SR22 insurance for other reasons, you will need to purchase non owners SR22 insurance to regain driving privileges on a restricted basis.
What is non owners SR22 insurance, and what does it cover?
Non owners SR22 insurance is liability only insurance that covers you if you drive a vehicle owned by another person. Since non owner insurance does not insure a vehicle, it does not include comprehensive or collision coverage and is not suitable for 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 vehicle while you’re required to carry SR22 non owner insurance, you will 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 that usually covers liability 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 is non owners SR22 insurance and its 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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This article was last updated on December 1st, 2018 by UltraCar Insurance