Understanding Non-owner SR-22 Insurance

Non-owner SR-22 insurance is a type of liability insurance for drivers who do not own a vehicle but are required to file an SR-22 form. An SR-22 form is a certificate of financial responsibility that proves a driver has the minimum required insurance coverage. The court or state typically mandates this form for some high-risk drivers.

Who Needs Non-owner SR-22 Insurance?

Non-owner SR-22-compliant auto insurance is designed for individuals who must meet SR-22 requirements but do not own a car. This can include the following:

• Drivers with a suspended license who want to reinstate their driving privileges

• Individuals who occasionally rent or borrow cars

• High-risk drivers who have been ordered by the court to maintain SR-22 insurance regardless of whether they are vehicle owners

How Does Non-owner SR-22 Insurance Work?

Non-owner SR-22 insurance provides liability coverage when you drive a vehicle you do not own. It does not cover damages to the vehicle you are driving or any personal injuries you might sustain. It typically includes the following:

• Bodily injury liability—This can help pay for injuries to others if you are at fault in an accident.

• Property damage liability—This can help pay for damage to someone else’s property caused by an accident you are responsible for.

How to Obtain Non-owner SR-22 Insurance

If you need non-owner SR-22 insurance, reach out to explore your options and secure the coverage you need. Not all insurers offer non-owner SR-22 policies. Our experienced agents can help you shop for appropriate coverage.

Contact Samco Agency today to learn about your SR-22-compliant auto insurance options.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.