What Does a Non Owner SR22 Insurance Policy Cover?
Q: Should I get into a car accident, what insurance will cover the damages? My non owner SR22 insurance, or the insurance belonging to the owner of the car?
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.
Do I Have To Pay For SR22 Auto Insurance if I am not Using my Car?
Q: Last year I got into an accident without insurance and now I have to get SR22 filing done. The problem is, right now I’m going through a difficult pregnancy and have to do bed rest. I work from home and don’t get out much, so my car mostly sits there. Do I have to keep paying?
A: If you intend on using your car at all, then you will need to keep up with your SR22 filing until the three year filing period is over. If you don’t think you’ll be using your car, call up your local Georgia DMV and ask about canceling your insurance and what the consequences will be. If you will use your car from time to time, you have options to decrease your payload.
One of these options is the low mileage discount, which suits your case very well. If you drive less than 5,000 miles a year, or less than 40 miles a day, depending on your company, most companies will offer you some kind of discount on your SR22 filing, ranging from 5-10%. Do a little bit of math to see if you drive little enough to fit this discount, but call your car insurance company first to see how they do the count.
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