SR22 non owner insurance

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Reader’s Question:

What is the definition and condition for using a non owners insurance?

Thames

Thank you for asking Thames.

Non-owners insurance is basically an additional coverage to give you liability protection for you when you are at fault and don’t own a motor vehicle.

Getting an sr22 non owners is subject to limited coverage with the exclusions and definition in that insurance policy. Those are typically standard to the coverage you have. For instance, to get a non-owners policy you would only buy bodily injury and property damage coverage.

You will need to know if any vehicle that you drive is insured. All vehicle owners of any vehicle is required to insure the cars they own. A non-owners policy would be secondary to that insurance.

There is actually no definite legal definition for non-owners that applies to auto insurance. Insurance providers file their insurance rates with their respective insurance departments. A non-owner may be written when the individual needs coverage only for his personal use of a vehicle not owned by him or a family member.

Goodluck!

MariCAR