Non Owner SR22 Insurance

Reader’s Question:

I have been convicted of DUI and have been in a terrible accident last year. Now, in able to reinstate my license, I have to make up by purchasing SR22 insurance. What should I do? To make matters more confusing, I have no vehicle to drive since it totaled last year in the said accident, and how is it possible that they require me to have SR22 insurance even if I have no vehicle to drive? What is this Non Owner SR22 insurance anyway?

Vera

Mesa, AZ

Maybe you got it all wrong. SR22 insurance is not a true insurance; it is a form or proof of certification stating liabilities or financial responsibilities. In your case, your license will not be reinstated unless you carry with you a financial responsibility related to your previous accident. It is a requirement, and it is used as clearance in order to reinstate your license and to retain your driving privileges. You need not to have a vehicle in order to have SR22 insurance; you just have to submit a form (SR22 form) which will be provided by your carrier to the Department of Motor Vehicles or to the courts if it is requested.

If currently you have no car to drive, it does not mean you do not have to obtain insurance because it is still a requirement for reinstating your license or maintaining your driving privileges. Having no ownership does not mean you cannot drive another vehicle at all, so it cannot be used as a valid reason. For instance, you have no ownership of vehicle, but you can still drive other vehicles with permission granted by the owner.

A Non owner SR22 insurance, it has to be said, does not extend to the insured’s household, and he/she cannot drive a vehicle owned by household members due to some legal concerns. If you have not owned a vehicle, and the state requires you to carry SR22 insurance in order to maintain your driving privileges, you can submit a Non Owner SR22 insurance so as to keep your license valid and your driving privileges intact.