A: SR22 insurance for non owner drivers is the type of policy you buy when you don’t own a car yourself, but will still be using one after you are required to file your SR22. Since you’ll be driving, you’ll need insurance to get your license reinstated.

SR22 insurance for non owner drivers is limited in scope. Unlike regular insurance, which you can fit to meet your needs and desires, this kind of insurance only allows you to have liability coverage. If you want further protection, you must either trust to luck, or limit yourself to driving cars whose owners have full car insurance policies on them.

SR22 insurance for non owner drivers is also a little more expensive than your regular liability and harder to get discounts for. The reason for the expense is that the type of car you drive, how you use it, and it’s condition usually have a big effect on car insurance rates, and if you use any different car, those variables will not remain the same.

A: Non owner SR22 insurance is a special exception in the car insurance world, but the normal rules still apply. And those rules are that car insurance is attached to the car most of the time, and not to the driver, so if you drive a friend’s car and get into a car accident, then you will be covered by the insurance policy that car is named on so long as you had reason to believe the policy owner would allow you to drive the car.

Even if you only drive insured cars, you will stil need your non owner SR22 insurance coverage, although you may never use it. It’s there as back up, as proof of your responsibility. And, if your friend’s own car insurance coverage runs out in a bad crash, your own will kick in and extend the limits.