Non-Owner SR22 Insurance Information & Quotes

A lot of people convicted of a DUI offense often ask what is a non-owner SR22 insurance policy and is it right for me? The first thing you need to be aware of is that in order to qualify for a non-owner insurance policy you must not physically own any motor vehicles meaning no vehicle can be titled in your name, hence the term "non-owner".

If you do not own a vehicle and the court has required the installation of an ignition interlock device or IID on any vehicles that you operate as a requirement of having your driver's license reinstated or before issuing you a restricted license, you will not be able get a non-owner insurance policy because the other vehicles you will be driving will not have an ignition interlock device on them.

What does a non-owner SR22 policy cover?

A non-owner insurance policy is basically just a liability only policy. Meaning that if you are driving another person's vehicle and caused an accident, your non-owner's policy will cover any injuries to the other vehicles occupants up to the policies limits and it will cover property damage to the other vehicle up to your policies limits.

Say for instance your state's minimum auto insurance liability limits are 25/50/10, the first number represents the personal injury coverage limit of the other vehicle's occupants or $25,000 in coverage per occupant. The second number represents the maximum personal injury coverage the insurance company will pay per occurrence. So if there were two occupants in the other vehicle your policy covers each occupant up to $25,000 each up to a maximum of $50,000 per occurrence.

The last number represents your policies property damage limits, in this case your policy has a $10,000 property damage limit. The problem here is that with the cost of vehicles and repair costs nowadays it is very easy to exceed the $10,000 limit, which means that any dollar amount above $10,000 is your responsibility to pay.

On top of that, the damage to the vehicle you were driving or any injuries you sustained in the accident are not covered by your policy since you caused the accident. Which means that will be money that will also be coming out of your pocket.

If the other vehicle's driver is at fault, you are covered up to the limits of the other driver's insurance policy. This is assuming that the other driver had insurance because as we all know, there are people out there that will drive even without insurance.

Something else to consider when purchasing any auto insurance policy including a non-owner's policy is that you make sure you get enough coverage. Just because your state's minimum liability limits are 25/50/10 does not necessarily mean you want those limits. You will more than likely want to hedge your bet, as it were, and opt for higher limits.

What if I don't pay my insurance premiums on-time?

You want to try and avoid letting this happen because an SR22 is basically a form that your insurance provider is going to submit to your DMV that states that if for any reason there is a lapse in your insurance coverage, even for one day, your insurance provider is going to inform the DMV of the lapse in coverage and the DMV is going to suspend your license immediately.

The penalties for allowing your non-owner SR22 insurance to lapse are severe. You are not only going to have to bring your insurance premiums up to date, but your insurance company is going to have to re-file the SR22 with the DMV, you are going to have to pay the DMV another license reinstatement fee and your 3-year required SR22 filing period is going to start all over again. So as you can see, you do not want to let this happen whether your policy is a non-owner SR22 policy or a standard SR22 policy.

How do I get a non-owner SR22 insurance policy?

The process of finding an insurance company that provides non-owner insurance policies is no different than applying for a standard SR22 insurance policy. The first thing you need to do is to make sure that this type of auto insurance policy is right for your situation and that the DMV is not requiring you to have an ignition interlock. Then you need to get multiple quotes from insurance providers in your area who will not only file an SR22 form with the DMV, but who will also provide you with a non-owners policy.

You are going to want to compare 4 or 5 quotes before choosing which policy to go with because you want to make sure you get the lowest rates possible and that you are comparing apples to apples when it comes to coverage limits.