Reader’s Question:

Does non-owners SR22 insurance cover policy holders in uninsured cars?

Richard

Little Rock, AR

I would suggest that you verify that any car you drive is insured and not rely upon SR-22 insurance to provide the necessary vehicle coverage. The car owner is required to insure it. Your non-owners SR22 policy would be secondary to that car insurance policy. Typically a non-owners SR-22 policy doesn’t contained coverage for the car (Physical Damage) or other necessary coverages like PIP, UM, and/or PD.

If you borrow a car from a someone and get into an accident while using that car, your friend’s insurance would kick in first. But if, for instance, the accident was your fault and the damage to the other motorist’s property exceeded the liability limits on your friend’s policy, your non owners insurance policy would cover the excess (up to policy limits).