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When Do You Need Non-Owner SR-22 Insurance?

According to studies, nearly 13% of United States drivers drive without auto insurance. Driving without insurance is a serious traffic offense, and you will suffer severe consequences when involved in an accident. The most important insurance policy that every car owner should have is third-party insurance coverage to protect passengers and road users in the event of an accident. Every car accident victim that lacks insurance is required to request an SR-22 form from their insurance provider. In case you don’t own a car, you can easily apply for non owners insurance. Keep reading this article to learn more about non owners insurance.

Today, car insurance providers offer insurance policy for people who don’t own a car. This is according to the state requirement regarding high-risk drivers. Non-owner insurance is insurance coverage for high-risk drivers that do not own a car. The law states that a non-owner should have this type of insurance, and this is one of the reasons why you should invest in it. The need for non owners insurance is emphasized for individuals that drive cars that aren’t theirs, such as a rental car. As compared to other types of insurance, non owners insurance is usually expensive since the policyholder is a high-risk driver. In as much as non owners insurance is costly, you will enjoy peace of mind as you will not have to worry about issues with the law.

When is a non-owner SR-22 a necessity? The need for SR-22 insurance is advised in different situations. To begin with, you need to get non owners SR-22 if you have been cited for driving without valid auto insurance. Also, you should file for an SR-22 if you have been charged with a DWI or convicted for driving without insurance. Click here to learn more about why non-owners SR-22 is necessary. While trying to get your driver’s license back after a suspension, you need to drive with a non owners insurance to make the process easy.

Non owners insurance is cheaper than traditional auto insurance policies. Nonetheless, if you have an SR-22, you will end up paying more for non owners insurance. Averagely, you will pay around 240$ per month if you have an SR-22. Defaulting in making the payment can lead to your driver’s license getting suspended. You should not be scared by the huge cost, as you can cut by adopting certain strategies. Always check the rates of different auto insurance providers to save money on your non owners insurance policy. Research well to identify reputable and well-established insurance companies that offer non owners insurance, and make your decision based on your budget.

Therefore, if you want to remain compliant with the law, you should apply for non-owner SR-22 insurance.