Choosing to file for a non-owners SR22 insurance policy is an important decision for anyone labeled a “high-risk” driver in Ohio. You may be labeled as a high-risk driver due to a variety of reasons, whether you received too many speeding tickets, DUI charges, or have been involved in multiple accidents in a short amount of time. Even if you are not the main holder of a car insurance policy, it is important to obtain a non-owners SR22 insurance policy in Ohio if you still drive at any time.
Who is Considered a Non-Owner?
A non-owner is anyone that doesn’t have the title of the car. Non-owners can be anyone, whether it is your spouse, neighbor, or children. Many times, a non-owner is added to your insurance policy as a secondary controller. However, SR22 insurance is usually a requirement for any individual with multiple traffic violations in a short period of time.
What is a Non-Owner Insurance Policy?
A non-owners SR22 insurance policy is required for individuals that drive someone else’s car. The vast majority of non-owner policies offer liability coverage for asset damage and personal injury. However, there is no coverage for the vehicle you are driving in the event of an accident, and a non-owner policy doesn’t provide personal injury protection (PIP).
Example of a Non-Owner Insurance Policy
Your non-owner policy is activated if you borrow your neighbor’s car, and you are involved in an accident. The car insurance of your neighbor will pay for the property damage and injuries. However, your non-owner policy is activated if your neighbor’s policy doesn’t have enough coverage. It is also a good idea to ensure your neighbor has collision coverage, or you will have no insurance coverage for repair work. Ultimately, the owner could hold you responsible for the cost of these repairs.
Our Team Can Help You!
SR-22 Bond of Ohio is a company that specializes in helping high-risk drivers obtain proof of insurance and we have over three decades worth of experience. We can help you get a non-owners insurance policy in Ohio to ensure that you are always well-protected at all times. Our staff members are always happy to answer any of your questions and guide you on your best options for SR22 insurance in Ohio.
Feel free to give us a phone call to learn more about SR22 insurance in Ohio!