Getting your driver’s license suspended is a drag, but now you’re at the point where you can get it back. The letter from the DMV says you need SR22 insurance.
However, you don’t have a car. You might drive if you borrow a car or rent one, but you don’t own a car to put insurance on. How do you get SR22 insurance with no car?
The good news is that there’s a way to get SR22 insurance even if you don’t have a car. This will allow you to get your license back and return to being mobile! Here’s what you need to know about SR22 insurance.
What is SR22 Insurance?
An SR22 is technically not a type of insurance. It is a guarantee from the insurance company to the state. The insurer promises that they will offer you insurance coverage as long as you pay your monthly premium. Also, they report to the state if the insurance lapses for any reason.
An SR22 doesn’t generally cost money in itself, although there may be a filing fee. However, insurance that requires an SR22 is considered high risk because of the event that caused your license suspension.
For instance, having a DUI or a reckless driving charge can make insurance expensive. So can multiple tickets that cause a points-related license suspension.
You can expect incidents to cause specific surcharges to your insurance for three years. However, your overall risk rating is based on your driving record over the last five years.
As a result, an insurance policy that provides an SR22 is likely to be expensive.
Why Would You Need an SR22?
Are you asking yourself, “Do I need SR22 insurance?” Or wondering what causes you to need one?
If you’ve received a letter from the DMV that you need one, it should explain what happened. Many times the cause is a severe traffic violation like a DUI or a build-up of points from minor traffic violations.
Other reasons for an SR22 requirement include:
- Being a habitual traffic offender
- Reckless driving
- Being uninsured in an auto accident
- A conviction for driving without insurance
- Reinstating your license after a suspension
Keep in mind that the rules vary from state to state, so check with your DMV directly if you have questions.
How Can You Get an SR22 Without a Car?
No car, no car insurance, right? Not quite. While most insurance is based on the car you drive, there is a type of car insurance with no car. It’s called “non-owner insurance”, and it’s designed to give you coverage when you’re driving a car you don’t own.
When you need SR22 insurance without a car, a non-owner policy is exactly what you’re looking for.
Any driver can cause an accident or make a bad decision while driving, whether it’s their car or one they borrowed. That’s why a non-owner policy is available — and essential.
Understanding Non-Owner Policies
A non-owner policy is very specific. It only provides insurance coverage for a vehicle that isn’t registered to you or someone in your household. It also isn’t for a vehicle that someone else provides for your regular or frequent use.
Non-owner insurance is just for infrequent use of vehicles that aren’t yours, and aren’t owned by someone in your household.
This type of coverage only offers liability coverage. That means if you injure or do damage to someone else’s vehicle, the coverage applies. If you damage the car you’re driving, there is no coverage.
Other Ways to Get SR22 Coverage Without a Car
What happens if you use someone else’s vehicle regularly? Whether it’s a roommate, girlfriend or boyfriend, or a family member, you won’t be able to use a non-owner policy.
The best option, in this case, is to have the other person add you to their insurance. It may affect the other person’s insurance rates, however, so you will want to offer to pay the difference.
Insurance plans are set up so that a variety of drivers can be listed, even if they don’t live at the address of the policyholder. However, if you keep the car at your address and drive it regularly, you may want to get your own insurance on that vehicle and have the owner listed as an additional interest.
Once you purchase or obtain a car, a non-owner policy will not transfer over. You will need to call the insurance company and start a new, traditional policy on the vehicle.
Do You Need SR22 Insurance With No Car?
If you need SR22 insurance with no car, there are several options. The most common, if you don’t have a car you use regularly, is a non-owner policy. This policy will give you liability coverage and provide the guarantee the state requires.
However, if you have a car you use regularly — even if you don’t own it — it’s important to be listed on the insurance policy for that car. That may mean being listed on your roommate’s or relative’s insurance policy. Or, you might get your own policy with the owner listed as an additional interest.
Regardless, it is possible to get an SR22 guarantee sent to your state even if you don’t own a car. That means you can get your license back and move toward returning to normal.
We hope you found this article helpful! If you want to learn more about cars and look at amazing footage, check out more of our blog today!