Non Owner SR22 Insurance

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Rachael Brennan
Licensed Agent for 14 Years

UPDATED: Mar 13, 2020

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What is Non Owner SR22 Insurance?

The easiest way to comprehend what non owner SR22 auto insurance is would be to think of it as a way to keep the coverage you need even if you do not own a car. If you are required to carry SR22 insurance in order to legally operate a vehicle, this is what you need even if you are driving someone else’s car.

As with many other aspects of SR22 insurance, or car insurance in general, the requirements may vary from state to state. Make sure you know the guidelines for your current state or a state where you may be relocating.

So what exactly does the non owner SR22 insurance coverage include?

Like liability insurance, SR22 covers the expenses for the other party. This would include another vehicle, personal property and bodily injury. As the driver though, your own expenses would not be covered. This is important to keep in mind because if you are borrowing a car from someone and are involved in an accident, the vehicle you are driving will not be covered.

The amount of minimum required coverage varies from state to state, but it is a good idea to exceed this coverage if possible.

If the amount of damage caused to the other driver’s vehicle, personal property or bodily injury exceeds the coverage amounts in the policy, you will still be responsible for covering the difference. It is also important to maintain this type of SR22 insurance without allowing any lapses to occur.

What’s the Difference Between Owner and Non Owner SR22 Insurance?

To some degree the basic idea behind any type of SR22 insurance is the same. A driver must obtain this type of car insurance in order to legally be behind the wheel of an automobile. The main difference is whether you own and will be operating your own vehicle or a car that belongs to someone else.

Drivers who plan to drive several different cars belonging to a variety of people or their own vehicle and cars belonging to others may need to further investigate carrying other options for SR22.

No matter which type of SR22 insurance you carry, the important thing to keep in mind is that this only covers damage you cause to another person, their vehicle or their personal property. If you drive a vehicle belonging to a spouse, family member, friend or someone else and are in an accident, the vehicle you are driving will not be covered. In other words, both owner and non owner SR22 car insurance is a type of liability-only coverage.

The type of SR22 insurance you need should be determined in conjunction with your insurance carrier. Regardless of which one you chose, the procedures are the same. Once you obtain your SR22 insurance, the provider will submit this proof of financial responsibility on your behalf. After the state receives this proof and it is approved, you should then be able to have your driver’s license reinstated.

In either case, make sure you retain the SR22 insurance without any lapses in coverage. Even a brief lapse in coverage can result in the loss of your legal driving privileges.

Important Things to Know About Non Owner SR22 Insurance

Keeping an SR22 insurance policy for coverage is important in order to stay legal. Once you have gotten a policy in place and your driver’s license reinstated, it is important to keep your policy. In most states there is a three year period during which driver’s must keep their SR22 coverage.

The SR22 is actually a form the insurance company fills out and submits to the state. Once approved, the driver trying to obtain this type of insurance will have their driver’s license reinstated. Whether they own the vehicle they intend to drive or not, they must obtain SR22 insurance in order to get the license back and legally operate a vehicle.

Although it can seem confusing, it does not have to be. The important part is to make sure you understand which type of SR22 coverage you need and choose the right one. Your insurance provider should be able to help you understand your options and make the best choice.

If you decide to make any changes during this time period, you should use extreme caution. If you change companies for better rates, decide to change from non-owner to owner or vice versa, relocate to another state or make any other changes, make sure the state is aware of and accepts the changes.

Any time a driver drops SR22 coverage, the insurance carrier is required by law to alert the state of this change.

This means that even if you have good reason to drop or change one policy, you must take precautionary steps to go about it the right way. Even if you get a different policy right away there could still potentially be a lapse in coverage that could cause you to lose your license again.

When it comes specifically to non owner SR22 insurance coverage, here are some other important things you should know:

* Having non owner does not mean you can drive any car. If you are going to be using multiple cars or cars from multiple owners, you need to acquire a different type of SR22 policy.

* It is important for you to make the owner of the vehicle aware of the fact that their car may not be covered in the event of an accident. SR22 is similar to liability insurance; the vehicle, personal property and bodily injury of the other driver involved will be covered but not the driver carrying SR22.

* Non owner is a great option to have if you do not own a vehicle, even if you are not planning on borrowing a car. In order to get your driver’s license reinstated and prevent yourself from having too long a gap in some type of auto insurance coverage, non owner is usually a more affordable option to at least have some type of insurance.

* Do not assume it does not matter whether you choose non owner or owner SR22 insurance. Talk with your carrier to decide which type is the most appropriate for your individual situation. If you get non owner SR22 and then get a vehicle, you must change to have the appropriate type of coverage.

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