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Does SR-22 non-owners insurance cover policy holders in uninsured vehicles? Is it considered proof of insurance in an uninsured vehicle?


You would want to verify that any vehicle you drive is insured and not rely upon SR-22 insurance to provide the necessary vehicle coverage. The owner of that vehicle is required to insure it. Your non-owners SR22 policy would be secondary to that insurance. A non-owners SR-22 policy typically doesn't contained coverage for the vehicle (Physical Damage) or other necessary coverages like PIP, UM, and/or PD. (Have more questions about SR-22 and car insurance? See "SR-22: The questions drivers ask most.")

If you borrow a car from a friend and get into an accident in a that car, your friend's insurance would kick in first. But if, for example, the accident was your fault and the damage to the other driver's property exceeded the liability limits on your friend's policy, your nonowners insurance policy would cover the excess (up to policy limits).

You can comparison shop our rates for non-owner SR22 policies by getting a car insurance quote here.


Comment Update: If the vehicle's insurance policy lapsed or was not in effect, the non-owners policy would cover the policy holder if they are in an accident, but be aware that a non-owners policy covers liability only, not the vehicle.

Comment Update: Typically, in most states SR-22 insurance would NOT provide proof of insurance for an uninsured vehicle. Proof of insurance must conform to the minimum requirements in a state and the coverages contained in a non-owners SR-22 policy are typically just liability coverage.




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7 Responses to "Does SR-22 non-owners insurance cover policy holders in uninsured vehicles? Is it considered proof of insurance in an uninsured vehicle?"
  1. Anonymous

    answered my ?

  2. Anonymous

    if an insurance policy had lapsed on a vehicle and the uninsured vehicle was in an accident being driven by a non-owner who was at fault who would be responsible

  3. Anonymous

    should give a phone # to contact about this question

  4. Anonymous

    thank you for the good information

  5. Anonymous

    Thank you for a succint car insurance answer.

  6. Anonymous

    It doesnt answer the question on if it can serve as proof of insurance for the driver.

  7. Anonymous

    It does not answer the question. If the vehicles insurance policy had lapsed, would the sr22 non-owners insurance be effective?