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Why You Should Have Non-Owner SR-22 Insurance

Studies show that about 13% of drivers in the US drive without auto insurance. Driving without insurance is a serious traffic offense, and you will suffer severe consequences when involved in an accident. The most important insurance policy that every car owner should have is third-party insurance coverage to protect passengers and road users in the event of an accident. After an accident, the victims are usually required to get an SR-22 form from their insurance agency. For those without a car, you should know that applying for non owners insurance is usually a simple and fast process. Keep reading this article to learn more about non owners insurance.

A new insurance policy that is offered by car insurance providers is non owners insurance. Non-owners insurance is a must-have policy for high-risk drivers. Non-owner insurance is insurance coverage for high-risk drivers that do not own a car. As a non-owner, you need to have this type of insurance since it is required by the law to carry insurance. Besides, if you have rented or borrowed a car, you need to have non owners insurance. Normally, SR-22 insurance is usually expensive as you are considered a high-risk driver. Even so, with this type of insurance, you will not have to worry about getting into more trouble with the law.

When is a non-owner SR-22 a necessity? You should know that are many reasons for having SR-22 insurance. For instance, if you have received a citation for driving without insurance, it is important to apply for SR-22 insurance. Also, you should file for an SR-22 if you have been charged with a DWI or convicted for driving without insurance. This page highlights more scenarios where one needs to apply for non owners SR-22 insurance. It is also advisable to file non owners insurance if you are attempting to reinstate your driver’s license after a suspension.

Non owners insurance is usually less expensive as compared to traditional auto insurance. The cost of non owners insurance is usually a little bit high for people who don’t have an SR-22. The average cost of non owners insurance is 240$. The penalty for using expired insurance or defaulting in payment is the suspension of the driver’s license. Nonetheless, you should know that there are a few tips for cutting the cost. You can compare the rates of different insurance providers so that you can reduce this cost. Establish if you can afford to pay the premiums before committing to a non owners insurance policy.

Therefore, if you want to remain compliant with the law, you should apply for non-owner SR-22 insurance.

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