If you are asked to file this certificate it is because you lost your license due to causing an accident while driving uninsured, getting caught driving while drunk or driving recklessly. You may have lost your license as a result of series of traffic tickets as well. Now, if you want your license back you need SR22 insurance.
Do I need an SR-22 if I don’t have a car? States usually require liability car insurance with SR22 certificate to reinstate a suspended driving license and/or comply with the filing order signed by a judge. They want to make sure that you have sufficient liability coverage next time you drive and they want it regardless of you owning an automobile or not. This requirement can only be satisfied by a confirmation from an insurer of the basic state auto insurance.
Non-owner SR-22 Insurance
Even if you don’t own a vehicle you can still buy liability insurance. These policies are called non owners auto insurance and usually bought by people who;
- Need to comply with the filing orders or need insurance to get their suspended license back from DMV.
- People who occasionally drive other people’s or rental cars and want to have liability coverage to protect themselves.
In this case, you want the non-owner policy so that the insurer can send the required certificate to your local DMV. However, you can use it to rent cars or when you drive other people’s auto once you get it.
Technically, there is no such thing as non owner SR22 insurance. It may be referred as such because it is used for the purpose of complying with the filing rules. In other words, it is non owner car insurance with SR22 certificate. Consequently, your state gets the confirmation that you have coverage in case you cause any injuries and damages to third parties while driving a vehicle.
You should keep in mind that non-owner policies don’t cover a vehicle you own, allocated for your regular use or one that is in your household. It provides a blanket liability cover for vehicles you may drive occasionally but don’t own or have regular access. These policies only provide third party liability coverage and don’t offer any collision and comprehensive coverage.
Anyone buying non-owner coverage should be aware of its limitations. As well as above, it may only cover a vehicle if the owner’s policy isn’t enough. For example, if you barrowed someone else’s car and caused an accident the owner’s policy will be the primary policy. Your non-owner policy will provide secondary vehicle insurance and kick in if the owner’s policy is insufficient to pay for all the damages and injuries you caused. Again, there is no cover for the automobile you were driving.
Usually non owner automobile insurance policies are pretty cheap to buy and therefore you should buy at least 100/300/100 liability coverage. You will need to pay a little bit more than a standard nonowners policy to cover the cost of filing SR22 with the DMV and administration costs incurred by the insurer but this won’t increase the premium much.
Large number of auto insurance companies including Progressive and Infinity provide non-owner policies with SR 22 filing. It is also called FR 44 filing in some states. If you decide to buy a car at a later stage you can buy insurance for it with the certificate. Then, you don’t need to keep the non-owner coverage anymore since your other policy complies with the filing requirements.