One of the most common questions we are asked is if a person requires an SR22 bond if they don’t own a vehicle. The answer to this question is “yes”. Those that have had their driver’s license suspended for driving without insurance, driving on a suspended license or a DUI are required by court order to have SR22 insurance, whether they own a vehicle or not. This shows the state you have the required insurance to have your license reinstated. In this post, we’ll explain more on the requirements of an SR22 bond.
Non-owner policy required
In cases where a person is under an SR22 bond and does not own a car, they must file for their insurance under a non-owner policy. This policy shows that you are paying for the insurance to the state and that you are in good standing with the insurance company.
What is non-owner insurance?
In choosing a non-owner insurance policy, it’s important that you know what the policy includes. Non-owner insurance gives you access to coverage while you are driving other people’s vehicles. The policy does not have coverage for the vehicle such as collision coverage and does not hold liability for the vehicle being driven. The policy is a type of secondary liability coverage that follows the driver or named insured person on the policy.
Where can I get an SR22 policy?
It’s important when considering an SR22 policy to speak with insurance experts in your region. These experts can provide you with information about non-owner’s insurance and what the unique elements of the policy involve. When speaking with an SR22 bond specialist, make sure that they specialize solely in the SR22 coverage process. This will mean they can respond adeptly to your unique insurance requirements and provide clear guidance about the road ahead.
Our team at SR22 Bond of Ohio is here to clear up any confusion you have about SR22 insurance. We can provide you the information you need to move forward and provide the optimal level of coverage. To learn more about our service options, call us today.