Where can I buy a Non Owners SR22 Policy to reinstate my Driver's License?

​What is a non owners SR22 auto insurance policy? If you had your license suspended and are getting close to having your license reinstated, one of the last steps you will probably have to do is buy some type of auto insurance policy with an SR22 filing attached to it.


   But what do you do if you need an SR22 filing but do not own a car? Regular auto insurance policies always insure at least one vehicle, so that option won't work for you. Fortunately there are other types of auto insurance policies that you can get coverage for without owning a vehicle which will satisfy the SR22 filing.


     However it can be frustrating. Because not all auto insurance agents sell these type of nonowner auto insurance policies. It can also be frustrating because the type of coverage you need varies from state to state. So much of the information about this type of coverage seen online can be inaccurate due to state differences.


    This article aims at helping you find out what you need to know, exactly what type of policy to look for, and the best place to look for them.  I will cover the states that I sell these types of policies in; which are Ohio, Michigan, Indiana, Pennsylvania, Virginia and West Virginia.


As I said before, policies and requirements vary from state to state. But they're all similar enough that a lot of it is repetitive, so you only need to look up the state below that you live in.

Ohio


Unlike the other states, Ohio gives you more than one option to have liability auto insurance coverage on yourself without owning or insuring a vehicle. The three types of policies are a financial responsibility bond, a named operators policy, or a broad form named driver policy. Here are some similarities and differences between the three types of policies:

• All three policies only cover one person driving: the person listed on the policy (named insured).
• All three policies can have an SR22 filing attached to it to reinstate your license.
• All three policies are secondary policies. This means that if there is an accident, the vehicle owner's regular auto insurance policy pays first. If that doesn't cover all the damages (injury or property damage), then these policies kick in as secondary coverage. This policy will also kick in if the vehicle owner was negligent in carrying auto insurance coverage like they're supposed to.
• None of the three policies offer comprehensive or collision coverage. In other words, if you wreck, none of the policies will pay for damages to the car you're driving. They only cover the other guy's car if you hit them and you're at fault.
• Of the three policies, the financial responsibility bond is usually the cheapest. This is mainly because of two reasons:
  • Financial responsibility bonds only offer state minimum liability coverage and nothing else.
  • Financial responsibility bonds don't use credit as a rating factor like the other two policies do.
• Named operator policies and Broad form named driver policies offer higher liability coverage, medical payments coverage, and uninsured motorist bodily injury coverage.
•  A Named operator policy will not cover you in a vehicle that you own or have registered in your name! Never select this type of policy if you own a vehicle (unless you have a separate active auto insurance policy insuring that vehicle). If you buy a vehicle later on, let your agent know before you drive off with it. A named operator policy can easily be converted or re-written to a regular auto policy once you buy a vehicle. But it's very important that you let them know beforehand.
• Both the financial responsibility bond and a broad form named driver policy will cover you in a vehicle that you own. But it is NOT a good idea to insure yourself with either policy if you own a vehicle, because it is lousy coverage for a vehicle owner. (main reason: if you let someone borrow your car and they get a ticket or wreck, you will be screwed!)

 Click here to get a quote for an Ohio Financial Responsibility bond.


Click here to get a quote for a Broad Form Named Drivers Policy.


Click here to get a quote for a Named Operator Policy




Michigan


  If you need an SR22 but don't own a vehicle, your only option is a Named Operator's Policy. But you'll be happy to know that the cost of a named operator's policy (aka non owners policy) is far less expensive than a regular auto insurance policy that vehicle owners are required to have. Here are the major points regarding a Michigan named operator policy:
A named operator policy does not require medical benefits coverage like regular auto insurance does (regular auto insurance requires 530K in medical benefits coverage.

• A named operator policy only charges a small fraction for Michigan's mandatory MCCA fee ($17 per year vs. $186 per year per vehicle that regular auto insurance charges).
• If you own a vehicle, DO NOT select a named operator policy unless you have an active separate regular auto policy covering the vehicle!
• Named operator policies are secondary policies. This means that if there is an accident, the vehicle owner's regular auto insurance policy pays first. If that doesn't cover all the damages (injury or property damage), then these policies kick in as secondary coverage. This policy will also kick in if the vehicle owner was negligent in carrying auto insurance coverage like they're supposed to.
• Unlike named operator policies in most states, Michigan's policies do not offer medical coverage or uninsured motorist coverage. This is because the vehicle owner is required to carry unlimited lifetime medical benefits coverage on the vehicle. This creates a big risk for you if you borrow someone's car and get injured. So before you borrow a car, make sure the vehicle owner has active coverage on that vehicle.
• A named operator policy does not offer comprehensive or collision coverage. In other words, if you wreck, none of the policies will pay for damages to the car you're driving. They only cover the other guy's car if you hit them and you're at fault.

 Click here to get a quote for a Michigan Named Operators (non owner) policy






Pennsylvania

• PA is one of the few states that do not have SR22 filings.
• PA does offer Named Operator policies for those who don't own vehicles.
• If you live in PA but need an SR22 filing in another state but don't own a vehicle, a named operator (non owner) policy will work for you. However, this will take a little more shopping around for the best rate. That is because many auto insurance companies will not write out of state SR22's. But there are companies that do. It just takes a little longer to find them. I can help you with that.
• If you own a vehicle, DO NOT select a named operator policy unless you have an active separate regular auto policy covering the vehicle!
• A named operator policy does not offer comprehensive or collision coverage. In other words, if you wreck, none of the policies will pay for damages to the car you're driving. They only cover the other guy's car if you hit them and you're at fault.
• Named operator policies are secondary policies. This means that if there is an accident, the vehicle owner's regular auto insurance policy pays first. If that doesn't cover all the damages (injury or property damage), then these policies kick in as secondary coverage. This policy will also kick in if the vehicle owner was negligent in carrying auto insurance coverage like they're supposed to.

 Click here to get a Pennsylvania Named Operator policy Quote.




Indiana

• Indiana offers a Named Operator's policy for those who don't own a vehicle.
• Indiana has two types of state filings: the SR22 and the SR50.
• For non owners, this policy will satisfy both the SR22 and the SR50 filing.
• If you own a vehicle, DO NOT select a named operator policy unless you have an active separate regular auto policy covering the vehicle!
• If you need an SR50, an SR22 will work just fine (but not vice versa). Keep this in mind because most companies only offer the SR22. Demanding that you only have an SR50 filed instead of an SR22 will only eliminate chances of you getting a better rate because your agent will not have as many companies to quote you with. Only if you need an SR22 do you have to file an SR22 (an SR50 won't substitute for someone needing an SR22).
• A named operator policy does not offer comprehensive or collision coverage. In other words, if you wreck, none of the policies will pay for damages to the car you're driving. They only cover the other guy's car if you hit them and you're at fault.
• Named operator policies are secondary policies. This means that if there is an accident, the vehicle owner's regular auto insurance policy pays first. If that doesn't cover all the damages (injury or property damage), then these policies kick in as secondary coverage. This policy will also kick in if the vehicle owner was negligent in carrying auto insurance coverage like they're supposed to.

 Click here to get a quote for an Indiana Named Operators (non owner) policy.




Virginia

• Virginia offers a Named Operator's policy for those who don't own a vehicle.
• Virginia has two types of state filings: the SR22 and the FR44.
• For non owners, this policy will satisfy both the SR22 and the FR44 filing.
• A named operator policy does not offer comprehensive or collision coverage. In other words, if you wreck, none of the policies will pay for damages to the car you're driving. They only cover the other guy's car if you hit them and you're at fault.
• If you own a vehicle, DO NOT select a named operator policy unless you have an active separate regular auto policy covering the vehicle!
• Named operator policies are secondary policies. This means that if there is an accident, the vehicle owner's regular auto insurance policy pays first. If that doesn't cover all the damages (injury or property damage), then these policies kick in as secondary coverage. This policy will also kick in if the vehicle owner was negligent in carrying auto insurance coverage like they're supposed to.
• Drivers who need the FR44 filing are required to carry double the state minimum liability coverage.
• Both uninsured motorist and underinsured motorist coverage are required on all policies just like regular auto insurance policies. This includes both for bodily injury and property damage.

Click here to get a quote for a Virginia Named Operators (non owner) policy.




West Virginia

• West Virginia offers a Named Operator's policy for those who don't own a vehicle.
• West Virginia no longer requires SR22 filings. But this policy will work for those who need to reinstate their license but don't own a vehicle. It will also work for those who need out of state SR22's.
• A named operator policy does not offer comprehensive or collision coverage. In other words, if you wreck, none of the policies will pay for damages to the car you're driving. They only cover the other guy's car if you hit them and you're at fault.
• If you own a vehicle, DO NOT select a named operator policy unless you have an active separate regular auto policy covering the vehicle!
• Named operator policies are secondary policies. This means that if there is an accident, the vehicle owner's regular auto insurance policy pays first. If that doesn't cover all the damages (injury or property damage), then these policies kick in as secondary coverage. This policy will also kick in if the vehicle owner was negligent in carrying auto insurance coverage like they're supposed to.
• Uninsured motorist is required on all policies just like regular auto insurance policies. This includes both for bodily injury and property damage. Under-insured motorist coverage is optional.

Click here to get a quote for a West Virginia Named Operators (non owner) policy.


   Summary: I hope this article cleared up any confusion you had for buying a non owners policy. But if you have any questions, feel free to give me a call or email, and I will be happy to answer your questions. And if you would like for me to run you a quote, fill out one of the appropriate links above. I will do the shopping around for you and find you the company with the lowest rate. And as always, I handle all quotes personally and privately.


Related Blog Articles:

Video: Out of State SR22 Auto Insurance Filings

Understanding named operator (non-owner) auto insurance policies and how to get the best rate

What is SR 50 insurance in Indiana? FAQs