car insurance sr22 non owners

Reader’s Question:

Hi. I just want to know if a non owners sr-22 insurance covers policy holders in uninsured vehicles. Thank you.

Michelle

Thank you for asking.

You may need to verify first if the car that you drive is insured. You should not rely on the sr-22 insurance to provide the necessary coverage on the vehicle. Normally the non owners sr-22 is a secondary insurance. The insurance on the vehicle that you drive should follow as the primary for the insurance. The sr-22 also typically does not cover the vehicle with physical damage and other necessary coverage like PIP, UM or property damage.

If you are, for instance borrowed a car from a friend and you get into accident using that car, your friend’s car insurance will kick in first. But in other cases like, the accident was your fault and the property damage for the other driver exceeded the liability limits on your friend’s policy, your non owners sr-22 insurance policy would cover the excess up to the policy limits.

Remember that the non-owners policy covers liability only and not the vehicle.

Goodluck!

MariCAR