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Why do I Need an SR22 Filing?

Non Owner Sr22 Insurance Add comments

 I don’t own a car. I just borrow a car from a friend that is insured when I want to drive. Why do I need an SR22 filing?

An SR22 filing has nothing to do with whether or not you own a vehicle.  You need an SR22 certificate to be licensed to drive, and if you operate a vehicle without one, you are driving illegally. If you drive without a driver’s license and you get pulled over by a police officer you will get in to even more trouble than you were before and you will not be able to have your license reinstated by an SR22 filing. This is why an SR22 filing is so important.

There is a special SR22 insurance policy for drivers that do not own a car called Non Owners SR22 insurance.  This type of SR22 filing provides you with liability insurance that will cover any vehicle that you choose to drive.  Non owners SR22 insurance can be more expensive, but it will allow you to get your driver’s license reinstated if you do not own a vehicle.  Make sure you shop around and get quotes from multiple insurance companies so you can find the best insurance rate possible.

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