Non Owner SR22 Insurance

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What exactly is non owner SR22 insurance?
If you are convicted of a DUI/DWI or your driver’s license has been suspended for any serious traffic violations, your state may ask you to file an SR22 before your driver's license is reinstated even if you don’t own a car. In such a case you need Non owner SR22 insurance. Non-Owner SR22 is for people who do not own a car but they are mandated by the state to file SR22 in order to drive again.

This policy is required when you are driving a private passenger vehicle that you have no ownership of. It will help you reinstate the driving privileges by adding an SR-22 certificate to an already existing insurance policy. This government-mandated action to carry an SR22 auto insurance applies to all suspended drivers whether they own a car or not.
Who needs non owner SR22 insurance?
Non owner SR22 insurance is required for drivers who need an SR22 certificate filed yet they do not own a car. If your driver’s license is suspended due to traffic violations, causing accidents, driving without insurance or driving under the influence, your state DMV may ask you to file an SR22 whether you own a car or not. A non owner policy will help you reinstate your drivers license by adding an SR22 certificate of financial responsibility to your policy.
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What does non-owner SR-22 insurance cover?
A non-owner SR-22 insurance covers two types of liabilities:
  • Bodily Injury: In case of an accident, this coverage will bear the medical expenses for the injured
  • Property damage: Any property damage caused in an accident.
  • What is not covered under non-owner SR-22 insurance?
    A non-owner SR-22 insurance does not cover the following:
  • Medical cost: The policy doesn’t cover the medical cost of the driver under an accident as it is only required to provide liability coverage.
  • Personal belongings: Personal belongings such as bags, electronic devices or other items are not covered under a non-owner SR-22 insurance.
  • Damage of the borrowed/rented car: In case of an accident, any damage caused to the car that you are using will not be covered under the policy.
  • What are the limitations of non-owner SR-22 insurance?
    Non-owner SR22 insurance has the following limitations:
  • The policy depends on how frequently a car is borrowed.
  • The policy does not extend coverage to your spouse’s car.
  • A vehicle that is registered to your home address will exclude coverage.
  • How long is non owner SR22 insurance required?
    SR22 insurance duration requirement varies from state to state. It also depends on the reason why the SR22 was needed in the first place. Usually, it is required for 3-years from the time your driving license is suspended.

    Non-owners SR22 insurance policy is designed for drivers who do not own a vehicle but are required to have SR-22 insurance to reinstate their driving license. A non-owner SR22 insurance will provide cover against liability claims for the vehicles you drive, while keeping the state up-to-date on your car insurance currency.
    If I don’t own a car, do I need to file a non-owner SR-22?
    Yes, you are required to file a non-owner SR-22 if your state has mandated you to do so to reinstate your suspended drivers license, even if you don’t own a car. Only your insurance provider can file SR-22 on your behalf with the local DMV. Your driving privileges usually get restored once SR-22 has been filed. your insurance agency files the policy with your local DMV, you can restore your suspended driving privileges that you may have lost under that traffic violation.
    How can I buy non-owner SR-22 insurance?
    The best way to buy non-owner SR22 insurance is to browse around and get quotes from multiple insurance providers who offer non-owner SR22 insurance and are also authorized to do business in your state. You can compare quotes and go with the one that suits you best.

    At times, connecting with several providers and collecting multiple quotes might seem very tedious and time consuming. If you need any assistance, you can call us at our toll-free number 888-885-3948. One of our executives will help you get Free No-obligation SR-22 Quotes from top insurance providers. It just takes a couple of minutes and you can have your non-owner SR22 documented on the same day.
    Under what circumstances should you opt for a non-owner SR-22?
    If your state has mandated you to file an SR-22 after being convicted of a serious traffic violation, you may opt for a non-owner SR-22 rather than a standard SR-22 insurance under following circumstances:
  • You don’t own a car
  • You frequently use rental cars
  • You use vehicles on a shared basis
  • You use cars that have been borrowed from your friends/family
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