If you have had your license suspended or revoked and want to take the necessary steps to get it back, a major part of that process is making sure that the car insurance provider will be able to file an SR22 insurance form on your behalf.
Technically, SR22 is not a type of insurance—it’s a form your insurance company has to fill out and file to prove to the government that you are adequately insured. Because of this, in common parlance, SR22 insurance is a plan under which your insurance carrier is willing and able to file paperwork with the state notifying them of your coverage.
- The best way to get SR22 insurance is to call an agent with a high-risk insurance company.
- To acquire SR22 insurance, you cannot own a vehicle, live in a household with one, or require an ignition interlock breath device.
- SR22 insurance prevents a lapse in coverage and can cover accidents if something happens while you're borrowing a car.
What Is Non-Owners SR22?
If you have lost your license, it’s also very possible that you got rid of your car since you could not drive it anyway. If that is the case, and even if you do not have regular access to any vehicle, you might want to work towards getting your driver’s license reinstated regardless. If that is the case, you will need to look into purchasing a non-owners insurance policy with an SR22 filing.
A non-owners SR22 insurance policy will cover you against liability claims in the vehicles you drive, plus it will keep the state up to date with your car insurance currency.
This particular type of policy is a smart choice for someone without regular access to a vehicle who still wants to be able to get behind the wheel on occasion. It will give you the opportunity to get your license status back with minimal cost. At the bare minimum, you will need to purchase liability limits at your state's minimum limit requirement.
Getting A Non-Owners SR22 Insurance Policy
If you want a non-owners SR22 policy, it is a good idea to call an insurance agency that already handles lots of high-risk car insurance policies. It is possible to purchase a policy online, but you will probably have an easier time speaking with an insurance agent for a policy like this. Give them all of your information and be forthcoming about your situation. A non-owners car insurance policy only works if you meet the specified criteria.
- You cannot own a vehicle
- There cannot be other accessible vehicles in the household even if they do not belong to you
- You cannot have an ignition interlock breath device requirement
Save Money With a Non-Owners SR22 Policy
In comparison to a traditional car insurance policy, you will be paying pennies on the dollar for a non-owners policy. It is really the smartest way to get back on your feet if you are able to without a car. Getting your driver's license in good standing before purchasing a car could potentially save you thousands of dollars.
Non-Owners SR22 Does Provide Coverage
This policy is not just going to get you legal, it is also to provide some protection if you are in an accident. For example, if you borrow a friend’s car and they have the state's minimum coverage on the vehicle and you cause severe damages that exceed those limits, your non-owner's policy could kick in to help pay off the remainder. Because a non-owner's policy is cheap, it would be a good idea to purchase preferred limits of 100/300/100.
Avoid a Lapse in Coverage
Letting a car insurance policy expire if it has an SR22 filing expire is a very bad idea. The insurance carrier will notify the state and your driver's license will likely be revoked. You will have to restart your probationary SR22 driving status all over again which is often a three-year period. Keep your license valid by keeping up with your car insurance payments.