Are you facing a license suspension due to traffic violations and looking for an insurance solution without owning a vehicle? Non-owner SR22 insurance in California may be the answer.
SR22 insurance is a court-ordered requirement that proves drivers have met state minimum liability insurance requirements. Non-owner SR22 insurance is designed for individuals who do not own a registered vehicle but need to drive occasionally. It covers loaned or borrowed vehicles.
Eligibility and Coverage
To qualify for non-owner SR22 insurance, you must:
Not own a vehicle or have regular access to one.
Not reside in a household where other members own vehicles.
Non-owner SR22 insurance provides coverage for vehicles you may drive occasionally, but it does not cover:
Registered vehicles
Vehicles kept at your residence
Vehicles used for daily transportation
Filing and Maintenance
Insurance agents can assist you with obtaining non-owner insurance and filing the SR22 form electronically with the California Department of Motor Vehicles (DMV). Timely premium payments are crucial to avoid license suspension. The duration of SR22 certification varies by state, usually ranging from three to five years.
Coverage Limits and Costs
Non-owner auto insurance policies must meet state minimum coverage limits, which typically include:
Bodily Injury Liability: $15,000 per person/$30,000 per accident
The costs of SR22 policies depend on factors such as driving history and location. Carriers may also charge an additional fee for filing the SR22 form.
Benefits of Non-Owner SR22 Policies
Lower premiums: Non-owner auto insurance with SR22 certification is generally less expensive than standard SR22 policies because non-owners drive less frequently.
Reinstating driving privileges: Non-owner SR22 insurance provides proof of financial responsibility and helps drivers regain their driving privileges after a suspension or violation.
Important Considerations
Notify your insurance agent: If you acquire a vehicle, it is essential to inform your insurance agent to switch to an owner policy.
Maintain SR22 certification: Failure to maintain SR22 certification can result in license re-suspension.
Understand state-specific laws: Research California’s specific SR22 laws and requirements to ensure compliance.
Can I get SR22 insurance without a car in California?
Yes, you can obtain non-owner SR22 insurance in California if you do not own a car but need to drive occasionally.
What does non-owner SR22 insurance cover?
Non-owner SR22 insurance covers vehicles you may drive occasionally, such as borrowed cars. However, it does not cover registered vehicles, cars kept at your residence, or vehicles used for daily use.
How do I obtain non-owner SR22 insurance?
Contact an insurance agent who can assist you with obtaining non-owner insurance and filing the required SR22 form electronically.
How long does an SR22 certification typically last?
State laws vary regarding the duration of SR22 certification, typically ranging from three years.
Are non-owner SR22 policies more expensive than standard SR22 policies?
Non-owner auto insurance policies with SR22 certification are generally less expensive than standard SR22 policies.
