Non-Owner SR22 Insurance
A non-owner SR22 policy is basically an attachment to an SR22 filing that an insurance company will provide to a person who does not physically own the vehicle or vehicles that they will be driving. A non-owner policy is commonly written to meet the state‚Äôs minimum insurance coverage limits and no more.
What this means is that if you do not own a vehicle and need to have an SR22 filing in order for the DMV to reinstate your driver's license, you will need to get an SR22 insurance policy along with a non-owner insurance attachment.
What Will My Non-Owner SR22 Policy Cover?
In most states the minimum coverage limits for a non-owner SR22 policy will only cover the other vehicles driver or any property damage caused by you in an accident. So if you were in an accident and found to be at fault, your non-owner SR22 policy would only cover any injuries, vehicle damage or property damage to the other people involved in the accident.
The non-owner policy would not pay for any repairs needed to the vehicle you were driving or any medical expense that you incur due to the accident. These are expenses that would come directly out of your own pocket; the insurance company will not pay for these items.
How Do I Get A Non-Owner SR22 Insurance Policy?
Applying for a non-owner SR22 policy is quite simple actually, by filling out an SR22 quote form on this website and selecting the "non-owner" option when you are filling out the form, you will be presented with up to 5 separate quotes from the top insurance companies who write non-owner policies.
It should be noted that not every insurance company is willing to write a non-owner policy. That is why by filling out one quote form on our website, we are able to present you with up to 5 separate quotes for an SR22 non-owner insurance policy. Just type in you zip code below to see how much you could start saving.
If you were to try and go out on your own and find 5 insurance providers who offer an SR22 non-owner filing you would end up consuming a large amount of your own time in the process. By filling out one simple quote form on our website, we will do all the searching for you and present you with the best policies for your situation at the lowest possible rates around.
How Will The DMV Know I Have A Non-Owner SR22 Policy?
Once you have purchased your non-owner SR22 insurance coverage, the insurance company that provided you with the policy will complete the appropriate state approved SR22 forms for you. The insurance company will then either file the forms for you with the DMV or they will provide you with a copy of the SR22 form so you can file it at the DMV office when you go in to reinstate your license.
The entire process of applying for a non-owner SR22 policy and filing the SR22 form with your local DMV office is pretty straight forward and quite simply to complete.
What Will Happen If I Fail To Make My SR22 Insurance Payment On Time?
If at anytime there is a lapse in your non-owner policy for any reason, your insurance company is required by law to immediately inform the DMV of the lapse in coverage. The SR22 form that your insurance company provides to the DMV, as proof of coverage is basically an agreement between the DMV and your insurance company that says "that if for any reason there is a lapse in your SR22 insurance coverage, the insurance company is to immediately inform the DMV of this lapse".
If a lapse in coverage occurs, the DMV will send you a letter in the mail informing you of the lapse in coverage and that your driver's license has once again been suspended. If this happens, you will have to reinstate your coverage with your insurance provider and file another SR22 form with the DMV in order to reinstate your driver's license. A lapse in coverage can be avoided with a little planning.
What we recommend is that you try to pay your insurance premiums every six months or on a yearly basis if possible in order to avoid any lapse in your non-owner SR22 insurance. If you paying your premium every six months or once a year is not feasible, then at a minimum try to pay your premium well ahead of time each month. For instance, if your premium is due on the first of the month, try to pay it by the 15th of the previous month.