Do you need an SR22 insurance policy but don’t own a vehicle? Even if you don’t own a car, you may need to get a non owner SR22 insurance policy so you can continue to drive and take care of your responsibilities.
This policy is specifically designed to provide you with the state minimum liability coverage you need to stay compliant with your court order. If you want to learn more about this coverage and where you can find an affordable policy, continue reading below. We will cover all you need to know about this policy, what it covers, and who you can contact for the best non owner SR22 policy.
What Is SR22 Insurance?
Before we get into what a non owner SR22 policy is, let’s first get into what SR22 auto insurance is. Unlike the name sounds, an SR22 is not a type of insurance policy.
Instead, an SR22 is a certificate you submit to the state, letting them know that you at least carry the state-required minimums on your vehicle. Your auto insurer submits the SR22 certification on your behalf to the court or the state, whichever needs to see that you have this active on your insurance policy. Most people needing these certificates usually receive a court order due to a DUI or serious traffic violation.
What Is a Non Owner SR22?
A non owner SR22 insurance policy is an auto policy for drivers who need an SR22 to still be filed with the state but do not own a vehicle. These policies tend to be cheaper than a typical SR22 policy because non owner policies don’t cover a specific vehicle.
Who Needs a Non Owner SR22?
As mentioned above, this insurance policy is best for those who need to prove to the state that they carry the state minimum auto insurance requirements, even if they don’t own a vehicle.
Other reasons you may need an SR22:
- Driving without enough insurance
- Too many at-fault accidents
- Too many vehicular violations
- Repeated offenses within a short amount of time
- Not paying child support
- Hardship license for work
If you received a court order to get an SR22, you must keep the SR22 policy active for at least three to five years, depending on where you live and where you received the violation. If you cancel your policy, your auto insurer must legally let the state know your insurance status. The state has the right to revoke your license, or they may impose additional fines for not keeping up with your insurance.
What Does a Non Owner SR22 Cover?
When you have a non owner SR22 policy, it covers almost any vehicle that you drive because it is considered an “operator’s policy.” This means it will cover any car you drive so long as you don’t own it or the people in your house don’t own it.
Nonowner policies are secondary coverage policies which means that the coverage on this policy only kicks in if the insurance on the vehicle you’re driving exhausts its limits or if they don’t have a specific coverage. For example, suppose you’re driving a friend’s vehicle and accidentally rear-end someone.
In that case, the insurance policy on your friend’s car will kick in first and cover for any damages caused to the other party’s vehicle. If the damages exceed the property damage limits on your friend’s vehicle, your non owner insurance policy will kick in and cover the rest. So long as there are no exclusions on your policy, it should help pay for the additional damages you caused in the accident.
Additional Note about SR22 Insurance
To be eligible for this type of insurance policy, you must meet a few criteria. In addition to not being the listed owner of the vehicle, you can’t use any other cars parked at your residence. For example, you can’t use your roommate’s or your mother’s vehicle if you still live at home. If the court requires you to have an ignition interlock device, you will have to purchase a standard SR22 policy, not a non owner SR22.
Coverages Available on a Non Owner SR22
Unlike a standard Sr22 policy or any other auto insurance policy, there are no first-party coverages on a non owner SR22. This means that the policy only carries third-party coverages such as bodily injury liability and property damage liability.
Bodily Injury Liability
Bodily injury liability coverage pays for any injuries caused to third-party people involved in the accident. For example, if you were to rear-end someone else’s vehicle while driving and the other party claims injuries, your insurance policy can help pay for their injuries.
As mentioned earlier, because non owner SR22 policies are secondary policies, your coverage will only kick in if needed. If you cause a significant accident and you exhaust the bodily injury limits on your borrowed vehicle, your non owner policy can help pay the remaining balance. If the other party tries to sue you for the injuries caused in the accident, your non owner policy can also help with legal counsel.
Property Damage Liability
Property damage liability coverage helps pay for any damages caused by the accident. This typically covers for vehicle repairs and any other property damage. Of course, this will only kick in as secondary coverage if the vehicle you borrowed exhausted its property damage limits or if they don’t have any coverage.
What Is Not Covered?
In general, first-party coverages such as collision, comprehensive, rental, and any medical coverages are not covered on most non owner SR22 policies. There are some insurers who do offer these coverages as an add-on.
Uninsured and Underinsured Motorist Coverage
In the event that you get in an accident with a driver who does not have insurance and they are at fault for the loss, you may be able to use this coverage to pay for your injuries and the damages done to the borrowed vehicle. This will also cover any injuries to the passengers in your vehicle.
PIP and Medical Payments
PIP, also known as Personal Injury Protection, is a first-party coverage that is typically used to pay for any medical expenses related to an auto accident injury. If you have to miss work due to an auto accident, you can also use PIP to pay for any lost wages.
Medical payments also pays for any injuries related to the auto accident, but that is all this coverage pays for. Medical payments, also known as med pay, does not cover any lost wages.
Should I Get a Non Owner SR22 Policy?
You may be thinking, “If I don’t have a car, why should I get a nonowner SR22 policy?” but know that getting a nonowner SR22 policy is a good idea for many reasons. For example, you may have a court order that requires you to get a non owner SR22 policy, or you may need to drive a vehicle to get to work.
Depending on the state you live in, you also most likely need to file an SR22 before you can get your driving privileges back. Another reason to get a non owner SR22 policy is to ensure you don’t have a lapse insurance coverage. If you have a lapse in coverage, there is a chance that you will have to pay higher premiums, even when you are able to purchase a standard insurance policy.
Using Rental Vehicles
If you decide to use a rental vehicle to get to and from work, they may or may not take your SR22 insurance policy. Instead, they may require you to purchase their additional insurance in addition to having your SR22 policy.
This is to ensure that they are completely covered in the event that you cause an accident or someone else damages the vehicle while you have it in your possession. If the rental agency is okay with you just using your non owner policy, then you may not need to purchase that additional insurance.
How Much Does a Non Owner SR22 Cost?
Because you are a higher risk, you can expect your insurance rates to be much higher than those with standard auto insurance policies. Depending on who you partner with for your SR22 policy, you can expect to pay at least 50% to 200% more than the average driver. Your rate will also depend on your driving record, so if you have a DUI, expect to have high rates.
Non Owner SR22 Fees
In addition to paying for the policy, there is another fee you must be aware of. In order to file the form on your behalf, your insurer may charge you an additional $25 to $50.
How to Get Non Owner SR22 Insurance
It is important to note that not all insurance companies take on high-risk drivers who require SR22 insurance policies. Even if they did, they would most likely require you to pay a lot each month to maintain your policy.
Some excellent companies, such as E-SR22Filing.com, can offer you cheap SR22 insurance without you having to break the bank each month.
Check Out Their Reviews
Before you partner with just any insurer that offers non owner SR22 policies make sure you do your research on the company. Take a look at their reviews and what other clients said about using them as their non owner SR22 insurer. Ensure they also have the proper licenses and state accreditation to provide you with a policy. You can use websites like the Better Business Bureau to gain further insight into a company.
Apply for the Policy
It is best for you to compare quotes before you settle on an insurer. There are several different companies that can offer you competitive rates for your SR22 policy, so make sure you check them out.
Once you find the right insurer and they agree to take you on, you will have to pay that filing fee in addition to the cost of your policy. Depending on your insurer, you may need to pay for the entire policy upfront. If you are unable to make that large payment, be sure to ask your insurer if they can work out an arrangement with you.
When Can I Remove My Non Owner SR22
As mentioned earlier, make sure that you maintain continuous coverage as long as you are court ordered to do so. If you reach the end of your agreement with the state and they allow you to switch back to a standard insurance policy, be sure to let your insurer know.
You can’t just stop your insurance policy. Your insurer must send a form to the state letting them know that you will switch over to a standard policy. Keep in mind that even when you switch over to a standard policy, your premium may still be considerably high.
Purchase Affordable Non Owner SR22 Auto Insurance
Non owner SR22 insurance policies are excellent for those who purchase an SR22 insurance policy but don’t have a vehicle. Regardless of why you need an SR22 insurance policy, you will want to ensure that you are paying a reasonable price for your policy.
There are several insurers that can take you on as their client, but they may charge you higher than average due to your risky driving behaviors. If you plan on driving rental vehicles or borrowing other cars from those who don’t live or are related to you, you will need to obtain a non owner SR22 policy. Contact us now to see how much you can save on your policy.