Can I Get Sr22 Insurance Without A Vehicle?

When it comes to car insurance, SR22 is a form of financial responsibility required by the state. It is typically required when a driver is convicted of certain traffic violations, including driving under the influence (DUI) and driving without insurance. In some cases, drivers may need to purchase SR22 insurance even if they don’t own a car. Here’s what you need to know about getting SR22 insurance without a vehicle.

What Is SR22 Insurance?

SR22 insurance is a form of proof of financial responsibility that is required by the state for certain drivers. It is generally required after a driver has committed certain traffic offenses, including DUIs, driving without insurance, and other serious violations. SR22 insurance is not a type of car insurance policy; rather, it is proof that a driver has car insurance coverage.

SR22 insurance is typically required for a certain period of time, usually three years. During this time, the driver must maintain an active car insurance policy. If the policy lapses or is cancelled, the driver must inform their insurance company and the state. Failure to do so could result in a suspension of the driver’s license.

Do I Need SR22 Insurance If I Don’t Own A Car?

In some cases, drivers may need to purchase SR22 insurance even if they don’t own a car. This is known as a “non-owner” SR22 policy. A non-owner SR22 policy is designed for drivers who don’t own a car but still need to purchase SR22 insurance. It provides the same coverage as a standard car insurance policy and can be used to meet the state’s SR22 requirement.

A non-owner SR22 policy is typically cheaper than a standard car insurance policy. This is because it does not provide coverage for a vehicle, only for the driver. However, it does provide coverage for any vehicles the driver may rent or borrow. It also covers the driver if they are involved in an accident while riding in another person’s car.

How Do I Get SR22 Insurance Without A Vehicle?

If you need SR22 insurance but don’t own a car, you can purchase a non-owner SR22 policy. To do so, you will need to contact an insurance company that offers SR22 insurance. Be sure to let the insurer know that you need a non-owner policy. The insurer will then provide you with a quote and, if you accept it, will issue the policy.

Once you’ve purchased the policy, you will need to file an SR22 form with the state. This form verifies that you have an active SR22 policy and is typically required for three years. The insurer will typically file the form for you, but you may need to do it yourself in some cases.

Conclusion

If you’ve been convicted of certain traffic violations, you may need to purchase SR22 insurance even if you don’t own a car. A non-owner SR22 policy provides the same coverage as a standard car insurance policy and can be used to meet the state’s SR22 requirement. To purchase a non-owner SR22 policy, contact an insurance company that offers SR22 insurance and let them know that you need a non-owner policy. The insurer will then provide you with a quote and, if you accept it, will issue the policy.