If you drive in the United States, you are required to have a certain amount of auto insurance. Now, if you don’t have a car, this doesn’t stop you from needing insurance coverage. In fact, you need to have a certain amount of liability coverage no matter what state you live in, or in some cases you just have to be able to prove financial responsibility. You may also be required to have SR22 insurance for non-owners.
In all but six states all high-risk drivers are actually required to carry this type of coverage to prove that they can afford to cover expenses if they cause an accident and there are damages to the property of others or those in the other vehicles involved are injured. The six states that do not require SR22 insurance are Delaware, Kentucky, Minnesota, New Mexico, Oklahoma and Pennsylvania.
What is Covered?
You don’t have to pay as much for this type of insurance. In fact, you can find many ways to get it cheap. When you have this type of insurance, you need to remember that you don’t have the same coverage that you would with a regular, full coverage insurance policy. With SR22 insurance, you will have coverage to pay for any damages to your vehicle in the event of an accident that is your own fault. It will also cover any damages received by your passengers, the other vehicles involved, and the drivers and passengers of the other vehicles. Expenses that are covered include vehicle repairs and medical expenses.
Coverage for Those Who Don’t Own a Car
Many people don’t own cars, but they still drive often. They either rent vehicles, or they borrow them from friends or family members, or they drive company vehicles. In any case, if you are going to be driving you need to carry a certain amount of insurance to cover expenses if you are at fault in an accident. Your insurance will take care of this. Make sure you find out more about your non owners insurance policy options here. You can feel safe knowing that you are insured no matter what vehicle you drive.
If you are borrowing a vehicle, you may or may not know what type of coverage the owner has. If you are renting, you will be required to have insurance. You also need to get this insurance at a good price. This is why you need to shop around to make sure you can get cheap or discounted SR22 non-owner insurance.
Coverage if Your License has Been Suspended
If you have had your driver’s license suspended because you were caught drinking and driving, or for any other reason, you will have a difficult time getting a good deal on car insurance. You will have an easier time getting SR22 insurance, and once you have this coverage it will be easier to get your license reinstated. You need to be really vigilant about making payments, because if they lapse your coverage will be discontinues, and you will once again lose your driving privileges.
How Long Do You Need this Insurance?
When you take out this insurance policy you will be required to continue that policy for three years from the date you purchase it. If you miss any payments, even by so much as one day, you will have to get a new policy and start all over again. This is a really great incentive to make sure you always make your payments on time. To ensure that you do this, you should ask about having your payments taken directly from your bank account or credit card each month so you never forget.
Who Offers SR22 Non-Owner Insurance?
It may be that you have been dealing with one insurance company for many years, but this company may not offer this type of insurance. If this is the case and you are required to have this coverage you will have to shop around to find another insurer that does offer this type of coverage. You can get a list of all of the insurance companies in your state that offer SR22 insurance from your state’s Insurance Commission website. Once you know which insurers offer this coverage you can set out to find the insurer that is going to be able to give you cheap SR22 non-owner insurance.
If you need to have this insurance, you need to do everything you can to save money on it. You can get free quotes from insurance companies so you can be sure that you will get cheap SR22 non-owner insurance. Go online today and give us your zip code. We will get you quotes from local and national insurers in just a few seconds so you can get this type of insurance.
