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Q

I need an SR-22 for the state of TN. I do not own an auto at this time. I need to prove coverage to the state for the next six months. What can I do?


A

You can purchase a 'non-owners' SR-22 insurance policy.

You will need the insurance company to file this with the state of Tennessee. An SR-22 insurance policy is generally a motor vehicle Liability insurance policy required for reinstatement after your driver's license has been suspended or revoked. SR-22 insurance is uniquely suited for these situations, because it requires the insurance company to notify the Department of Motor Vehicles if the policy is canceled, terminated, or lapses. If any of these things happen, your license will typically be suspended until the policy is brought current or reinstated. Under the laws of most states, you must carry SR-22 insurance for a certain period (often three years) after the end of your suspension or revocation.

Non-owners insurance is meant to give coverage to a motorist liability protection for when they are at fault in an accident but do not own a vehicle. Non-owners policies can typically include Liability, Medical Payments, and Uninsured/Underinsured Motorist coverages.

Non owner policies generally do not include Comprehensive, Collision, Towing Reimbursement, or Rental Reimbursement coverage. A non-owner's policy of a driver would normally be secondary to the insurance put on the vehicle by the owner. This means the car owner of the vehicle you are borrowing would be primary and your non owner's policy would only be used if their limits were exceeded and your insurance was needed as secondary or excess insurance.

If you do not own a car nor is there a vehicle owned by anyone in your household that you could use to obtain insurance on and want to get a non-owners policy, you first will need to find an auto insurance carrier that offers this type of policy. Then you will need to meet the underwriting criteria of that insurance provider.

You can obtain a FREE insurance quote here to see how much it will cost you to get an SR-22 for Tennessee.


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