If you’ve been convicted of a serious traffic violation, such as driving under the influence (DUI) or driving without insurance, you may be required to file an SR-22 form with your state’s Department of Motor Vehicles (DMV). An SR-22 form is proof of financial responsibility, and it shows that you have enough liability insurance to cover any damages you cause in an accident.
If you don’t own a car, you may be wondering what non-owner SR-22 insurance is and whether or not you need it. In short, non-owner SR-22 insurance is a type of liability insurance that is designed for people who don’t own a car but who need to file an SR-22 form.
Why do you need non-owner SR-22 insurance?
There are a few reasons why you might need non-owner SR-22 insurance. First, if your driver’s license has been suspended or revoked, you may need to file an SR-22 form in order to get it reinstated. In most cases, you will need to have non-owner SR-22 insurance for a certain period of time before your license will be reinstated.
Second, if you have been convicted of a serious traffic violation, your insurance company may require you to file an SR-22 form. This is even if you don’t own a car. The purpose of the SR-22 form is to show that you have enough liability insurance to cover any damages you cause in an accident.
Finally, even if you don’t own a car, you can still be held liable for damages if you cause an accident while driving someone else’s car. Non-owner SR-22 insurance will provide you with the liability coverage you need to protect yourself in case of an accident.
How much does non-owner SR-22 insurance cost?
The cost of non-owner SR-22 insurance varies depending on your state and your driving history. However, it is typically much less expensive than traditional auto insurance. In some cases, you may even be able to get non-owner SR-22 insurance for free through a state-sponsored program.
How do I get non-owner SR-22 insurance?
To get non-owner SR-22 insurance, you will need to contact an insurance company that offers this type of coverage. You will need to provide the insurance company with your name, address, driver’s license number, and the date of your most recent traffic violation. You will also need to provide the insurance company with a copy of your SR-22 form.
Once you have obtained non-owner SR-22 insurance, you will need to file the SR-22 form with your state’s DMV. The DMV will keep a record of your SR-22 form, and they will notify your insurance company if you cancel your policy or if your policy lapses.
Conclusion
If you have been convicted of a serious traffic violation or if your driver’s license has been suspended or revoked, you may need to file an SR-22 form. If you don’t own a car, you can get non-owner SR-22 insurance to meet your state’s requirements. Non-owner SR-22 insurance is a relatively inexpensive way to protect yourself in case of an accident and to keep your driving privileges.