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Florida SR22 Non Owner Insurance Policy

Getting picked up for a DUI, reckless driving or other serious charge often has consequences that go far beyond having your license revoked, big court fines and a huge legal bill. You may find that you can longer afford to insure your vehicle and have to put it up for sale. In other cases the car could have been totaled in an accident, or impounded but for whatever reason you find yourself without a car.

If this is your new reality you may find yourself in need of a SR-22 non-owner policy. This type of coverage offers protection against liability claims for people who no longer own a vehicle but find themselves behind the wheel of a car from time to time. It could be a friends car, family member’s or work vehicle, as long as you are not the owner.

In many cases the Florida court system will require you to provide proof of a non-owners policy before they will reinstate your license.

What exactly is a SR-22 Non-Owner Policy?

Just like a normal SR-22 filing, a non-owner SR-22 is simply an endorsement from your insurance company that verifies that you are carrying the court ordered coverage. In most cases, a SR-22 Non-Owner policy is written at the state minimums. It is possible to up the coverage limits beyond state minimums if necessary.

In Florida, which is a no-fault state, every driver on the road is required to carry two types of car insurance, at required minimum levels. Personal Injury Protection (PIP) will help pay medical bills for the driver, family members, and any passengers in the car at the time of the accident. The state minimum is $10,000, which is rarely enough in a serious accident. It is best to carry higher limits.

The second type of required car insurance is Property Damage Liability or PD. This will cover any damage that you do to other people’s property. While it definitely covers damage to another person’s car it will also pay for damaged fencing, mailboxes and even landscaping. This coverage is also required at a $10,000 level.

Non-Owner Specifics

These policies are referred to in the insurance world as operator or named-operated policies. It is designed to serve as secondary insurance on any vehicle the policyholder does not own but may occasionally drive now and again.

It is not meant as a primary protection. If you are behind the wheel of a borrowed vehicle and have an accident, the car owners insurance would be the primary coverage and would pay up to that policy’s coverage limits. This is assuming you had permission to drive the car. The Non-Owner policy would cover any damage beyond the owner’s policy limits.

These policies are not designed to protect a teenager that is currently living in your home but does not own a vehicle. Any licensed teen driver living in your home must be added to your primary auto policy, despite the dramatic increase that usually accompanies adding a teen.

Non-Owner polices are usually purchased by the following drivers:

  • Drivers that have been convicted of DUI or DWI offenses.
  • Reckless driving convictions.
  • Drivers who have been caught driving without insurance.
  • Legal judgments.
  • Drivers with too many points on their license.

What you need to know

Here are a few details that you should know if you are required to carry a SR-22 Non-Owner policy:

  • These policies do not replace the primary insurance of the car owner.
  • It only covers liability, it does not offer collision or comprehensive.
  • These policies do not cover rental or commercial vehicles.
  • Non-Owner policies do not cover vehicles of people that live in your household or that you drive on a very regular basis.
  • You cannot own a vehicle with one of these policies.

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