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January 16, 2017

SR-22 Coverage For Non-Owners

Woman Holding Car Keys Out WindowNo one wants to have to carry an SR-22 form. But, if the authorities deem someone to be a high risk driver, they might have to carry an SR-22 certification. A high risk driver might have gotten many tickets, had DUI charges or been in multiple accidents.

SR-22 policies are not insurance. They are proof of insurance forms that your insurance company sends to a state’s Department of Motor Vehicles. The forms tell the DMV that the specified driver is carrying insurance coverage.

States often require drivers to carry SR-22 certifications for a number of years. These drivers also need to maintain car insurance coverage throughout this entire time period.

Unfortunately, not all insurance companies write SR-22 policies. A driver might have to change insurers after getting an SR-22. Drivers also usually see rates increase after SR-22 filings.

But, what about people who are not the main policyholder of an auto policy? Many people who don’t personally own vehicles or policies still drive. And they still may get SR-22 requirements.

How can these drivers ensure they have coverage in this situation? A common way is through a non-owner SR-22 policy.

Who Are Non-Owners?

A vehicle’s owner is the person who holds the car’s title. The titleholder is also generally the policyholder of insurance policies.

Non-owners are people who do not own the vehicle they use to drive. These are often people like spouse or your children. You usually add these drivers to your existing auto insurance policy as secondary drivers.

If one of these non-owners gets an SR-22 requirement, they could lose coverage on your policy. They may have to get separate insurance coverage altogether to protect their liabilities.

What Is A Non-Owner SR-22 Policy?

A non-owner SR-22 policy is similar to a regular auto insurance policy. It offers coverage options such as personal liability, collision and property damage coverage.

However, non-owner policies cover the drivers’ liabilities, not the cars themselves. Non-owner policies operate secondary to a car’s regular auto coverage; they’re essentially an extra layer of coverage.

With a non-owners policy, a driver can meet SR-22 requirements for coverage even if he or she doesn’t own a vehicle. This makes non-owner policies essential purchases for drivers who find themselves in this situation.

If you’re looking for SR-22 insurance coverage, including non-owners policies, we can help. Call Cloverleaf Insurance at (800) 530-5822 for a free SR-22 insurance quote.

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