Reader’s question:

What should I do if I am required to carry an SR-22 but I do not own a vehicle? Please help.

Mike

Good question.

Usually there is a requirement by the state (Department of Motor Vehicle) for the insurance company to certify that the motorist has the minimum liability coverage.

That is the reason why you need an SR-22. It guarantees that you are financial responsible. This certification is what we call SR-22.

So if you do not own a vehicle, you will need a non- owners SR-22. This will serve as your liability coverage protection. But the vehicle itself is not covered by the policy. The SR-22 only covers up to the minimum liability protection. It does not covers the vehicle but the liability of the motorist that may cause in an accident. This will protect other people’s injuries in case of accidents due to your negligence. This is when you are driving someone else’s car.

This policy does not cover you in any car that you drive. Different state have different policy, but usually it does not cover you for the car registered to you, in your household, or any type of vehicle that is provided to you for your everyday use. If in any case you have a car registered to you or there’s one in your household or someone provided a car for you to use everyday, you should not purchase a non-owners policy.

Goodluck!

-MariCAR