How do I get Auto Insurance in Virginia if I Don't Own a Car?

In the Commonwealth of Virginia, even though you may not own a car there still can be situations that arise in which you will need to buy auto insurance. Some of these reasons include:

• Requiring in an SR22 or FR44 state filing, and looking to reinstate your drivers license.
• Needing auto insurance for work purposes.
• If you plan to drive other people's vehicles on occasion, and want to make sure that you have adequate liability coverage in case that the vehicle owner doesn't have adequate coverage.

        In Virginia, the simple solution for all of those scenarios can be easily taken care of with a named operator policy (aka non-owners policy).  Unlike regular auto insurance, a named operator policy does not cover vehicles. It covers only one driver .... the name insured.

       
Liability coverage, uninsured motorist coverage, and under-insured motorist coverage are all mandatory requirements in Virginia, and thus all are included on a named operator policy. But beyond that, nothing else is offered other than medical payments. There is no comprehensive or collision coverage on a named operator policy.




What happens if I purchase a named operator policy and then decide to buy a vehicle later on?




     That answer varies from company to company. But there are basically two ways of handling it:

•  Some companies simply add the vehicle to your policy and automatically convert the named operators policy  to a regular auto insurance policy.

• Other companies will cancel the named operator policy and rewrite it as a regular auto insurance policy. Either way, it's a very simple process that takes only minutes for your agent to complete.

NOTE**** A named operator policy DOES NOT COVER OWNED VEHICLES!!!!




What's the difference between an SR22 and an FR44 filing?
    


        There really is no difference as far as how either filing works. The only difference is that an SR 22 requires the state minimum liability auto insurance that Virginia requires, where an FR44 requires you to carry double the state minimum limits (Virginia requires an SR22 filing of 25/50/20 coverage and an FR44 filing requires 50/100/40). Other than that there is no difference.




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Related Blog Articles:

Video: Virginia FR44 Auto Insurance FAQ's

Video: Auto Insurance for Drivers Who Don't Own a Vehicle

How to guide for buying Virginia FR44 Auto Insurance Online

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