Non-Owner SR-22 Insurance: Get Driver Coverage Today!

What is Non-Owner SR-22 Insurance?

If you commit a moving violation like driving with an expired license, a court may order you to get an SR-22, also known as a certificate of financial responsibility. But what if you need SR-22 insurance without a vehicle registered in your name?

This is where non-owner SR-22 insurance comes in. This is a type of certificate that’s designed for individuals who do not own a vehicle but still may need to meet state-mandated insurance requirements. By obtaining and maintaining a non-owner SR-22, drivers may be able to remain compliant with financial responsibility requirements in states like Nevada and Texas.

What is SR-22 Insurance?

SR-22 insurance is not a traditional insurance policy but rather a certificate. To obtain an SR-22, you would normally file it with an insurance company, who then submits it to the state on your behalf. This certificate proves that you have the minimum liability coverage required in your state, but it’s your responsibility to make sure your auto coverage doesn’t lapse during your SR-22 period. You may be required to get an SR-22 if you’ve been involved in certain traffic offenses, such as driving under the influence, driving with an expired license, or driving without auto insurance.

Who needs a non-owner SR-22?

If you’ve been mandated to file for an SR-22 but you don’t own a vehicle, you may need to get a non-owner SR-22. This type of certificate may be ideal for individuals in specific situations, including:

Drivers with a suspended or revoked license: If your license has been suspended and you need to reinstate it, some states may require that you get proof of financial responsibility through an SR-22.
Drivers without a vehicle: If you don’t own a car but drive rental cars or borrow vehicles from friends or family, you may need a non-owner SR-22.

How does a non-owner SR-22 work?

A non-owner SR-22 functions slightly differently from a standard SR-22 in a few ways:

Does not cover vehicles registered to you or in your household: If you get a standard SR-22, it only applies to a vehicle that’s registered in your name. If you purchase a car later and still have a non-owner SR-22, you may need to switch to a standard SR-22 to continue fulfilling your legal requirements.
May help reinstate driving privileges: Some drivers who need to get a non-owner SR-22 may be because their driver’s license is suspended. For drivers without a vehicle but are trying to reinstate their licenses, they may need to obtain a non-owner SR-22.

How to get a non-owner SR-22

Following these steps may help you with acquiring or maintaining a non-owner SR-22:

Find a reputable insurance provider: An insurance agency can help match you with an insurer who can file SR-22s.
Pay the required fee: The cost for filing an SR-22 is typically $25, but that may vary based on factors such as your location and the length of required coverage.
Purchase a non-owner auto insurance policy: If you don’t drive your own vehicle, you’ll need to buy a non-owner auto insurance policy with your state’s required minimum coverage.

Why choose A Abana?

Agencia de Seguros de Accesso, LLC and Access Insurance Agency of Nevada, LLC (A Abana) can help you with the SR-22 process, with benefits including:

Local offices in Nevada and Texas: If you live in these states, you can find accessible A Abana locations and support from our knowledgeable agents.
Affordable rates and flexible payment plans: A Abana’s carriers can offer budget-friendly options to help you maintain your insurance policy without financial strain.
Straightforward SR-22 filing process: We can connect you with an insurance company that can help you file your SR-22.

Looking for non-owner car insurance in Texas or Nevada or needing answers about SR-22s? Call A Abana today at 214-764-8868 to speak with our friendly agents or visit our website for a free personalized quote.

FAQs

How long do I need to carry non-owner SR-22 insurance?

It’s typical for a state to require drivers to maintain an SR-22 for at least three years. The exact duration, though, may depend on many factors including your location or the severity of the offense.

Can I switch from non-owner SR-22 to standard SR-22 later?

Yes, you can. If you purchase a vehicle in the future, you may want to transition from a non-owner SR-22 to a standard SR-22.

Does a non-owner SR-22 cover rental cars?

Having a non-owner SR-22 simply means that you are maintaining the minimum liability coverage for your state. A non-owner SR-22 won’t cover rental car damages, but having a non-owner auto insurance policy may be able to cover certain damages you cause to a third-party while driving a rental car.

What happens if my SR-22 lapses?

If your SR-22 lapses, your insurance company may notify the state, which may result in license suspension or additional penalties.

Disclaimer:

This material is for general informational purposes only. Products, services, and discounts referenced herein are not available in all states or in all companies. All statements are subject to the terms, exclusions, and conditions of the applicable policy. In all instances, current policy contract language prevails. Coverage is subject to individual policyholders meeting the insurer's underwriting qualifications and state availability. Other terms, conditions and exclusions may apply.

Non-Owner SR-22 Insurance

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