What is Non Owner SR22 Insurance in New York?
Q: What is SR22 insurance for non owners?
A: Non owner car insurance is something you only see when it comes to SR22 insurance, for the most part, although it does exist for other reasons. Some people who are required to have SR22 policies do not actually own cars, but do occasionally drive cars which belong to other people. Since driving with a suspended license is dangerous and illegal (unless you’re Paris Hilton), most people don’t want to take the risk, and so get their license reinstated even if they won’t be driving often, and to do that they need an SR22insurance policy.
SR22 insurance for non owners only covers you when you’re driving a car that isn’t yours. If you end up buying your own car, then you will need to switch over to regular SR22 car insurance.
A few more limits come with SR22 insurance for non owners. One is that you are only able to purchase liability coverage. If you drive a car which already has comprehensive and collision coverage with its owners policy, this shouldn’t be a problem. Discount options for people with SR22 are also more limited.
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