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.
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:
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
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.
Click here to get a quote for a Michigan Named Operators (non owner) policy
Click here to get a Pennsylvania Named Operator policy Quote.
Click here to get a quote for an Indiana Named Operators (non owner) policy.
Click here to get a quote for a Virginia Named Operators (non owner) policy.
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.
Understanding named operator (non-owner) auto insurance policies and how to get the best rate
Dan Lyles is an Independent Insurance Agent serving Ohio, Indiana, Michigan, Pennsylvania, Virginia and West Virginia..