Non owner SR22 insurance is specifically designed for people who don’t own a vehicle, but need insurance to get their driving privileges reinstated.
It is very important to bare in mind that non owner SR22 insurance is not applicable to you if there is a vehicle in your household, even if it isn’t on your name, or you are driving regularly someone else’s vehicle.
Another important point worth mentioning is that non owner SR22 policy will not cover the car you are driving. It is only designed to cover the liability portion up to the limits of your SR-22.
Its a policy required by the state, if you have previous violations and its meant to protect other drivers and pay for their injuries in case you are found negligent in an accident.
How long you will have to carry non owner SR22 insurance will depend on the regulations in your state, but it is usually between 2 and 3 years. As with a normal SR22 policy, make sure you don’t allow your insurance to lapse. Your insurance company is obliged to inform the authorities in such an event and you its very likely you may lose your driving license.
