SR22 Non-Owner

sr22-non-owner

An SR22 non-owner policy can be very useful. It gives coverage to drivers that rent a car, borrow, and people who don’t drive. These people need proof of insurance to have their license reinstated. There are many reasons to revoke a license. Traffic convictions, driving under the influence and driving without insurance, among other circumstances. To reinstate a license, some states need an SR22, a certificate of financial responsibility.

SR22 Non-Owner Information 

You may ask for an SR22 financial responsibility certificate even if you do not own a car. The certificate ensures a driver has liability insurance in case of an accident. For instance, with an SR22 non-owner certificate a driver is able to operate any vehicle.

A non-owner SR22 insurance policy is common. It is also more affordable than an SR22 owner certificate. This is because of driving opportunities going down.

It’s key to have a form of insurance even if you are not a high-risk driver. This includes a non-owners policy to avoid higher premiums in the future. However, insurance companies may see the gaps in coverage and consider a driver to be a higher risk. This can result in higher premiums for the driver.

A non-owners policy is very specific. It does not include comprehensive car insurance or collision insurance. It also does not reimburse drivers for tows or rentals. Few companies offer medical coverage as well.

These policies cover body and property liability damages. Body injury liability insurance covers medical costs. This is when you are found at-fault for a collision and a person is injured. Property damage liability covers the repair or replacement of damaged property. It does not cover the car you are driving.

Drivers that rely on borrowing cars should invest in a non-owners policy. If there is a collision and the damages go over the policy limits. The driver may be responsible to cover the difference. A non-owner policy is beneficial as it picks up the difference and protects the driver.

It is important to note that children of policy holders may not qualify for this type of insurance. If the person has regular access to insured cars, then the person should be added to the policy.

State Requirements

Illinois law states drivers with an SR22 need a certain amount in liability insurance.

  • $25,000 for injury or death of one person in an accident
  • $50,000 for injury or death of more than one person in an accident
  • $20,000 for damages to property of another person

The Most Common Reasons For Financial Responsibility Certificates Are:

  • DUI/DWI convictions
  • Driving uninsured
  • Driving without a license
  • A revoked or suspended license

More Information

Do you need more information about SR22s, liability coverage, or purchasing an non-owners policy? Our agents and customer service representatives are here to help with your financial responsibility needs. Call us today at 1-888-949-6289 or visit your nearest Insurance Navy location. Because we care about your convenience, our offices open from 8 a.m. to 9 p.m. CST. Moreover, they are open 7 days a week.

Additionally, we can help you find an insurance quote right on our website. Because we want  to help you save money wherever possible, we offer our insurance quotes completely free of charge. By navigating our website, you can also inform yourself about many useful topics, such as coverage for repairing or replacing parts for your car after a crash, how to file a police report, and why you should never admit fault immediately following a car crash.

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Lastly, we also have blogs that may help you with any questions you have. For instance, our blogs cover many different topics. From how to keep your car cool in the summer, to proper steps to take after Godzilla damages your car.

*Please review your own SR22 carefully for details. SR22 varies by state, person and insurance company.