If you have had your driver’s license suspended and do not own a automobile, you may nevertheless require proof of insurance to reinstate your license. Here’s what you need to know about non-owner auto insurance and SR-22 filings.


What is an SR-22?


An SR-22 is a state-mandated certificate that proves that you have the vehicle insurance needed to reinstate your license after a suspension.  There’s a common misconception that SR-22 is a variety of insurance policy, but it is not. Even if your violation didn’t outcome in a suspended license, some states still need an SR-22 filing as a situation of keeping your license valid.


After you file an SR-22, your insurance coverage provider normally monitors your status and reports any lapses in coverage to your state. Every state has its personal suggestions regarding how extended you will have to preserve an auto policy with an SR-22. A severe violation such as a DUI could normally lead to a filing requirement of about 3 years.


What is non-owner insurance coverage?


For those who want to drive but don’t personal a vehicle, non-owner automobile insurance coverage gives important liability coverage in case of an accident. These policies defend the policyholder rather than any specific vehicle, so liability coverage follows the driver when he or she borrows a vehicle. When reinstating your license, non-owner insurance gives a way to meet the SR-22 requirement if you don’t personal a automobile.


Non-owner policies are designed to meet state minimum liability needs but do not consist of collision coverage. Catastrophic damage, theft and fire coverage are occasionally incorporated. Be conscious that this kind of insurance doesn’t cover you when driving a vehicle that you or a member of your household owns, and particular perform-connected driving might also be excluded. To qualify for non-owner coverage, you can not personal a vehicle, have access to household automobiles or have an ignition interlock device requirement.


How do I get an SR-22?


Receiving non-owner insurance with an SR-22 is effortless. Find your very best quote for the insurance, and when you acquire your policy, your insurer can probably take care of filing the SR-22 paperwork as effectively.


After your policy is in force, it’s vital to make payments on time. Any lapse in coverage could result in your license becoming resuspended, an extended SR-22 period and extra license reinstatement costs.


What will an SR-22 and non-owner insurance expense?


SR-22 filing costs differ from state to state but are usually below $ 50. The bulk of your price will come from acquiring the required non-owner coverage. As with all auto insurance, rates for the non-owner policy are based on driving history, so a key violation will likely drive up your premiums. Even with a poor driving record, although, non-owner policies tend to be relatively inexpensive with prices around $ 600 for 6 months.


Do I require to file an SR-22 no matter exactly where I live?


Even though most states mandate filing a SR-22 following a license suspension, the following states do not:


  • Pennsylvania

  • New York

  • North Carolina

  • Oklahoma

  • Delaware

  • Kentucky

  • Minnesota

  • New Mexico

Bear in thoughts that if you are moving from 1 of these states to a state with SR-22 laws, you may possibly be nonetheless needed to file an SR-22 and buy auto insurance coverage.


No matter whether you have to show proof to your state, non-owner coverage is sensible if you strategy to continue driving. The liability protection could save you from monetary ruin if you’re involved in an accident in a borrowed car, and avoiding a lapse in coverage ought to boost your auto insurance coverage prices when you are ready to obtain a vehicle once more.


Insurance photo via Shutterstock.