SR22 Non-Owners Insurance Policy
Reader’s Question:
I have SR22 non-owners insurance here in Florida as I was required to have it in the past. If for instance I drive an uninsured car, will my SR22 be considered as proof of insurance for this type of a car?
Gene
Coral Springs, FL
You have to make sure that any car you drive is insured and don’t be dependent on your SR22 car insurance in Florida to provide the needed coverage. Whoever owns the car you will drive should be responsible to obtain car insurance for it. Your SR22 non-owners insurance policy will be secondary to that car insurance coverage. This type of a car insurance policy does not normally cover physical damage of the car or other types of coverage such as personal injury protection (PIP) and uninsured or underinsured motorist.
In the event that you get involved in an accident on a car that you just borrowed from someone, its car insurance will be in effect first. However, if for instance it was an at-fault accident and the damage to the other party’s car and property can’t be fully covered by the car insurance policy, your SR22 non-owners insurance policy will cover the rest up to its limits.
In case that the car insurance policy of the borrowed car lapsed or wasn’t in force, the non-owners policy will provide coverage for you if you get into an accident. However, you must understand that a non-owners car insurance policy only covers liability and not the car itself.