WILL A NON-OWNER SR22 POLICY WORK FOR ME?
An SR22 non-owner or named-operator liability policy is insurance on you, for any vehicles you operate that you do not own, as a secondary insurance coverage. This type of liability policy is usually written with a state’s minimum coverage limits, and covers only other drivers or property – not your own. For instance, if you were involved in an accident, and you were at fault, the liability insurance would cover only the injury to or property damage of others that occurred as a result of the accident, if and only after you have exhausted the primary insurance. A non owner does not offer comprehensive and collision coverage.
An SR22 filing can be attached to a NON-OWNER policy to satisfy the state’s requirements for license release. This is the only option if you do not own a vehicle. The vehicle/s has to be listed on the policy, if you do own a vehicle/s. Then an SR22 can be endorsed on that policy.
There are some exception to this rule in some states. We can provide you with a broad form policy, along with an SR22 filing endorsement in some states, even though you may have a registered vehicle in your name. Please feel free to contact us regarding that option.
Generally, a non owner is less expensive than a traditional policy with SR22. Give us a call or fill out the quote request, and we will help get your driving privileges back.
