Can You Get Car Insurance Without a Car & Do You Need an SR22?

Most car insurance policies are issued to both a car and a driver. This is because, to the insurance company, the owner of a car and the car he is driving are essentially one and the same. However, insurance companies will issue policies to drivers who do not own a car. If a driver is convicted of driving under the influence, many states require that he must have an SR-22 attesting that he remains covered after his conviction.

  1. Minimum Insurance Levels

    • Every state requires that a driver be financially able to cover the cost of damages incurred in an accident. In most states, the driver is required to own a minimum level of liability auto insurance. If a driver is convicted of a DUI, he will often have his license suspended. And, in some cases, his insurance company will cancel his policy. Only after getting a new policy can the driver get back on the road.

    SR-22

    • In most states, after being convicted of a DUI, a driver will be required to show the state proof that an insurer is aware of his conviction and has extended coverage to him anyway. This is intended to make sure that the conviction does not escape the insurer's notice. A driver can receive this proof by asking the insurer to fill out a state-issued SS-22 form, which the driver will then turn in to the state.

    Insurance Without a Car

    • According to the automotive reference website Cars Direct, all auto insurance companies are required to offer insurance policies that are not linked to a specific vehicle. These are known as non-owner car insurance policies. According to CarInsurance.com, while an insurer is not required to sell insurance to a driver convicted of a DUI, many insurers will sell non-owner car insurance policies to these drivers, and will be willing to fill out an SS-22 form.

    Premiums

    • Generally, premiums for non-owner car insurance policies are somewhat higher than for policies linked to cars. This is because when a policy is linked to a particular car, the insurance company can make an evaluation of the car's safety. When the insurer doesn't know what car the policyholder will be driving, it must charge higher rates to offset the risk. A driver with a DUI can expect to pay especially steep rates for his non-owner policy.

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