Can You Get SR-22 Insurance Without Owning A Car?

If you have had a serious driving offense, you are likely not eligible for standard auto insurance. If you want to keep driving, your state may require you to get SR-22 insurance. However, what if you don't have a car to insure? You still need to have insurance if you want to drive. If you don't keep your insurance, the state could suspend your license. Here is more to know about how an SR-22 policy works when you don't have a car.

Who Needs an SR-22 Policy?

An SR-22 is not an insurance policy itself. It's a document that proves you own the minimum amount of insurance your state requires. To do that, you must find an insurance company willing to take you on. Not all insurance companies will do this. Some may put heavy restrictions and set higher premiums on those who need an SR-22.

Generally, people who need an SR-22 are people with major driving offenses. For example, you will likely need an SR-22 if you:

• Have a DUI conviction
• Have reckless driving conviction
• Have had a serious injury accident
• Have a driving without insurance or a license conviction

You may also need an SR-22 if you owe court-ordered child support.

Why Get an SR-22 Non-Owner Policy?

You will not be able to drive any car if you don't have an SR-22, not even your friend's and other family member's cars. If you plan on doing any driving at all, then you must have this document. Fortunately, many insurance companies offer non-owner policies for drivers who need an SR-22. With non-owner insurance, you will have coverage for vehicles you drive, and your insurance won't lapse.

Who Cannot Get an SR-22 Non-Owner Policy?

You cannot have a non-owner SR-22 policy if you own a car or have access to other cars in the household. You must have no regular access to a household vehicle for a non-owner policy. If you do, then you need to either be added to the other household member's insurance or buy an owner-operator policy.

If you've been told that you need an SR-22 policy to keep driving, but you don't have a car, consider a non-owner policy. These policies are usually a little less expensive than an owner-operator policy. However, you must remain in good standing for a set number of years to remove the SR-22 requirement. If you lapse or have any other coverage problems, your insurance company will notify the state. For more information about SR-22 non-owner auto insurance, contact an insurance company or click here.