What To Know About Non-Owner Sr22 Car Insurance

Posted on: 10 February 2016

If you are a high-risk driver convicted of DUI /DWI, you commonly need to file an sr22 insurance policy to legally drive your vehicle. However, you may have gotten rid of your vehicle, and you still want to reinstate your license. In this case, you can file a non-owner sr22 policy. Here is some information on a non-owner sr22 car insurance policy.  

How Non-owner sr22 Works 

Non-owner sr22 insurance serves as a secondary insurance allowing you to occasionally drive another vehicle with the owner's permission. You are required to have non-owner sr22 in the following circumstances: 

  • refusal to take DUI/DWI blood test
  • caught driving uninsured in an at-fault accident
  • reckless driving
  • legal judgments
  • cases of child support or neglect
  • exceeding point limit on your DMV record 

The vehicle owner's primary insurance policy will still cover you in accidents up to policy limit. When claims exceed the amount of coverage on the vehicle owner's policy, the non-owner sr22 policy covers the remaining damage. Otherwise, it will not be effective. 

Another kind of non-owner vehicle insurance policy is Broad Form sr22. Broad Form sr22 covers any vehicle you buy regardless of model or year. When you buy a vehicle under this policy, you don't have to inform your insurance provider because coverage is automatic. You need to purchase this coverage after:

  • refusal to submit to blood or breath tests
  • child support and neglect cases
  • legal court rulings
  • reckless driving
  • getting caught driving uninsured without insurance in an at-fault accident
  • too many points against your license 

What Non-Owner sr22 Insurance Covers 

A non-owner sr22 insurance policy will cover property damage and bodily injury, and some states it covers medical payments and underinsured/ uninsured motorist. Non-owner sr22 does not include comprehensive (non-accident damage), collision insurance, or coverage for rental and commercial vehicles. Teens cannot be listed on the policy separately, and it isn't a substitute for the vehicle owner's primary insurance policy. 

Buying Non-Owner sr22 Insurance 

Contacting an insurance agent is the best way to buy non-owner sr22 insurance since rules vary by state. If you live in a state that doesn't require an sr22 filing and plan to move to another state, check to see if that state requires sr22 filings. Once you have coverage, don't let it lapse, or it could cause you probationary period to start all over again and you license may be suspended for non-payment. 

To qualify for a non-owner sr22 you must meet the following criteria: 

  • You don't own a vehicle. 
  • You aren't required to have an ignition lock device. 
  • You cannot have access to vehicles, even if they are not owned by you. 

A DUI/DWI should never keep you from driving when the need arises. Non-owner sr22 car insurance will help you get back on your feet again.

For sr22 insurance, click this link http://www.greatnortherninsuranceagency.com or do an online search.