If I don’t have a car do I still need an SR22 filing?
If you have been ordered to file an SR22 to get your drivers license reinstated you will need to do so with or without owning a car. As far as the state is concerned, they expect you to carry this extra insurance in the event that you are driving someone else’s car and get into an accident.
How do I get an SR22 insurance policy without a car?
The DMV expects you to fulfill this requirement by getting what is known as a non-owner operator SR22 insurance policy, commonly known as non-owner SR22 insurance. This policy will satisfy the state for the mandated liability insurance to get your drivers license back, but what is non-owner SR22 insurance? The SR22 by itself is not an insurance policy but an attachment or rider to an insurance policy. A non-owner insurance policy is a liability only policy that provides secondary coverage. What this means, is that any claim filed must be made on the vehicle insurance policy first and if those limits are exceeded then the claim pulls from the non-owner policy.
A few things to consider when buying a non-owner insurance policy:
1) It does not give any coverage to any owned vehicles by the insured.
2) It does not give any coverage to any vehicles that reside at the same address as the insured.
3) It does not provide any primary insurance coverage that the insured is driving at the time of an accident.
The biggest benefit to a non-owner SR22 insurance policy is the cost. They typically are cheaper than an SR22 auto insurance policy and can be filed the same day. Contact us today to find out how cheap your non-owner SR22 insurance quote will be 1-866-663-7561 or request a non-owner SR22 quote here.