7 Facts About Non-Owner SR22 Insurance
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You Set the Insurance Level: Although many people who purchase non-owner SR22 insurance will choose to get it at the minimum level until they get a vehicle, you can choose the level that you want. You may find that a higher level is best depending on your needs.
Does Not Have Comprehensive or Collision: While you can raise the amount of liability coverage, you cannot add comprehensive or collision to the insurance policy.
Purchase without SR22 Form: Keep in mind that you can buy a non-owner insurance policy without an SR22 form if you want coverage when driving a vehicle you do not own. Of course, if the SR22 is required when you get your driver’s license reinstated, that is another matter.
Owner’s Insurance is Primary: If you drive someone else’s vehicle with their permission and cause an accident, their insurance will pay up to the coverage level. Your non-owner insurance will only kick in to pay any claims above the limit.
Conversion is Easy: You can convert your non-owner policy to a standard one when you obtain a vehicle. You only need to contact the insurance company and have the vehicle added to your insurance. Your premiums will probably increase.
No Coverage for Rental or Commercial Vehicles: Although it may seem counter-intuitive at first, your non-owner SR22 insurance does not cover rental or commercial vehicles. This is because rental and commercial vehicles are covered by a different method than non-owner insurance can provide. So, your insurance will not be in effect if you are driving either a commercial or rental vehicle, but there will be other insurance that provides the coverage.
No Coverage for Teenage Drivers at Home or Other Vehicles in the Household: This means that you cannot purchase the insurance for teenagers still living at home who do not own a vehicle. Nor can you use it to cover vehicles owned by other members of the household.
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