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The Non-Owner SR-22 Policy, Explained Line by Line

Insurance policy under a magnifying glass

Key takeaways

  • A non-owner policy is liability coverage that follows the driver, not a vehicle.
  • It pays after the car owner's insurance, which makes it secondary coverage.
  • It never pays to fix the car you were driving.

When your documents arrive, they can be confusing. Here's what each part of a typical non-owner SR-22 policy means.

The declarations page

This is the one-page summary. On a non-owner policy, you'll notice something missing: there's no vehicle listed. Instead, you'll see:

What those three numbers mean

NumberWhat it coversExample (30/60/25)
FirstInjuries to one personUp to $30,000
SecondInjuries to everyone, per accidentUp to $60,000
ThirdDamage to other people's propertyUp to $25,000

Secondary coverage, in practice

Say you borrow your cousin's car and rear-end someone. Your cousin's insurance pays first. If the damage exceeds their limits, your non-owner policy picks up the rest, up to your limits. If you rent a car, your policy typically provides your liability coverage.

Standard exclusions

Optional add-ons

Depending on your state, you may be able to add uninsured motorist coverage or medical payments. Some states require them. They cost a little more, but they protect you, not just other people.

Questions about the policy

Does the policy cover passengers in the car I'm driving?

Your liability coverage can apply to injuries you cause to passengers, subject to the owner's coverage paying first and your state's rules.

Is there a deductible?

Usually not, because a liability-only policy has no collision or comprehensive coverage.

Ready to file your SR-22 without a car?

Compare non-owner SR-22 rates in a few minutes. Most filings reach the state electronically within a day.

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