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Sometimes there is a requirement by a state regulatory entity (usually the state Motor Vehicle Department) for an insurance company to certify that a driver has the ability to pay future claims up to the state required limit. This is the reason why you would have to have an SR-22. It shows that you are financial responsible and it is done in the form of a certificatoin called an SR-22.
The certification is done by means of a form called an SR-22.
In this scenario, you would purchase a non-owners SR-22. The SR-22 would provide coverage for your liability protection.
Even though you don’t own a vehicle you may still be required to carry an SR22. This is called a non-owners SR-22 insurance policy. The vehicle isn’t covered by an SR22 or a non-owners policy. Many readers get confused and believe that a non-owners liability policy is the magic bullet of coverage. It is not, it only covers liability up to the limits purchased. It does not cover the vehicle that you are driving, but only the liability that the driver may cause.
A non-owner policy does not cover you in any vehicle you drive. Each state is different, but as a general rule it doesn’t cover you for a vehicle registered to you, one in your household, or a vehicle provided for your regular and frequent use. If you have a vehicle registered to you, one in your household, or someone provides a vehicle for your regular and frequent use, you should NOT purchase a non-owner policy for coverage in that scenario!
You may obtain a non-owners liability SR22 insurance policy with some of our partner companies. You can obtain a quote for a non-owner SR-22 policy by following the link and entering your zip code. Currently, in most states you can complete a quote on our site, in other states you are directed to our partners.
Comment Update: An SR-22 is required by the state, not CarInsurance.com. The reason you may need an non-owners policy is because an SR-22 is liability insurance, which means it is protecting other people’s injuries if YOU are negligent in an accident. This can occur if you are driving another car. That is the reason a non-owners policy is available.
If you own a vehicle, you will not purchase a non-owners policy. If you have a vehicle in your household, or a vehicle provided for your regular and frequent use then most non-owner policies will not cover that scenario.
Where we are able to offer non-owners insurance the vehicle screen has this option to select a non-owners policy: “Check this box if you do not own a vehicle and would like to purchase a non-owners policy.”
Source:CarInsurance.com
