You got caught driving drunk. You now have a DUI charge on your record, and that has triggered an SR-22 penalty. Therefore, you must carry car insurance. Yet, you don’t own a car. Do you still have to get coverage?
The answer is yes. Just because you don’t own a car doesn’t mean you won’t drive. So, for as long as you have an SR-22 penalty, you’ll need to carry a policy. You can generally get adequate protection by purchasing a non-owners liability insurance policy.
SR-22s are legal penalties imposed by various states. They arise after certain drivers commit serious offenses behind the wheel, like DUIs.
The state will need this form to prove that the offending driver will always have auto insurance. Namely, they will generally require the driver to have liability insurance.
The reason for this is because liability coverage will protect other drivers if the insured party causes them harm on the road. Given that you have received a DUI, that puts you at a high risk for further offenses and at-fault accidents. The SR-22 will therefore force you to carry coverage to protect your duty to others.
However, if you don’t own a car, you might wonder why you need the SR-22? You don’t have personal insurance coverage anyway because you don’t have a vehicle.
This is the wrong line of thought.
Because of the SR-22 penalty, you cannot drive without the form or without coverage. Furthermore, you likely cannot drive anyone’s car using their own insurance. Their coverage will apply to their vehicle and them, not to you. However, you are the risk. Therefore, you need the coverage.
Ask About Non-Owners Liability Insurance
Even if you have an SR-22 rule and no vehicle, you can still get auto insurance. It will come in the form of a non-owner policy.
Non-owners insurance will apply to you as the insured party. Therefore, it will cover you no matter what vehicle you drive. You can essentially take your coverage with you wherever you go. So, you’ll be able to use it in case of a problem. The policy can remain valid for the duration of the SR-22 penalty, as long as you pay your premium and don’t lose coverage for another reason.
Most policies will include strictly liability insurance, not collision or comprehensive. You’ll likely be able to obtain liability limits to your own satisfaction. Talk to your agent at 877-400-0500, however, because some place limits on how they will cover SR-22 drivers.
Also Read: Do You Always Need Comprehensive/Collision Insurance?