Most states require that vehicle owners carry a certain amount of auto insurance, or at least be able to prove financial responsibility in the event that they are at fault in car accidents. In order to prove financial responsibility, drivers often get an SR22 insurance policy. This proves that they have the funds available to cover the cost of damages to other parties involved in accidents caused by the insured drivers. Even those who do are not the actual vehicle owners, should have coverage, especially if they tend to borrow or rent a lot. If this sounds like you, what you need to do is get is an SR22 certification. In order to get this, you need to get non-owners SR22 insurance quotes to make sure that you are getting the best rates. That link will provide you with a lot of useful information about SR22 insurance and help you find the best prices.
Vehicles in Your Household Don’t Count
If you borrow a vehicle that is owned by another member of your household, you won’t be able to use a non-owners SR22 insurance document. You also can’t use this type of coverage for any vehicle that is actually registered to you. For your own vehicles, you will need to have at least a general SR22 insurance policy. On the occasions that you will be borrowing a vehicle from a spouse or another member of your household, they need to have coverage for you, or you need to carry non-owners car insurance. You can learn more about this when you get free non-owner SR22 insurance estimates online.
Non-Owner’s SR22 Insurance
When you borrow vehicles from others or rent the cars you drive, you need to have enough coverage to at least be able to pay for damages to others that you cause if you are at fault in an accident. In fact, you may be required by law to carry insurance coverage. In the case of rental vehicles, you will most likely be required to have liability coverage, although the rental company may require that you purchase it from them when you rent the vehicle. Again, this is something you can find out about when you get free non-owner SR22 insurance quotes.
You Need More Coverage for Yourself
Just because you have non-owners car insurance it doesn’t mean that you have any coverage yourself. This is just the minimum amount of liability coverage that is required by the state you live in. If you want to have coverage that will pay for your own destruction in the occurrence of an accident where you are at fault, you will need to have a full coverage auto policy, even if you don’t own a vehicle. The only way to get around this is if you borrow vehicles that are fully insured for occasional drivers.
Shopping Around for Good Deals
You need to get quotes from different insurers in order to know that you are getting the best prices on any type of car insurance, including non-owners SR22 coverage. We can get you many free non-owners SR22 insurance quotes from many insurers in your area, as well as from national insurers. Give us your zip code, and we’ll do all the work.
