If you need SR22 insurance but you do not own a vehicle you may need a non-owners policy. Named non-owner policies provide coverage for your liability of bodily injury and property damage to others while your operating another persons vehicle. If you purchase a non-owners SR22 policy this will fulfill the State of Florida’s SR22 requirement if you do not own a vehicle. It is important to understand exactly what a non-owners policy is. Named non-owner policies are typically less expensive than a normal insurance policy because they do not cover much. Normally non-owners policies do not include a PIP or medical payments coverage if you are injured in a accident (in most cases these are included on a “regular” auto policy). Named non-owner policies also do not provide any coverage for any vehicle you own or regularly operate. So if you will be driving a certain vehicle on a regular basis you should be added on that auto policy as a driver with an SR22 filing. If you end up purchasing a vehicle it is important to contact your agent and let them know as a non-owners policy would not provide any coverage. Named non-owner SR22 policies are meant for individuals that do not have or have regular use of a vehicle. It is also important to make sure that whatever vehicle you are driving also has insurance as a non-owners policy is excess over the underlying auto policy. Whoever owns the vehicle should have “regular” auto insurance on the vehicle. It most cases you can make payments on your non-owners SR22 policy. You can also add uninsured motorist to a non-owners policy to protect you in the event you are injured by an uninsured or under-insured motorist. Staybull can provide a quote for your non-owners SR22 insurance in minutes over the phone. If you have any questions about SR22 insurance without a vehicle please feel free to give us a call or use the live chat feature.
