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Why You Should Have Non-Owner SR-22 Insurance

Studies show that about 13% of drivers in the US drive without auto insurance. It is illegal to drive without insurance, and you are also likely to suffer severe consequences if you are involved in an accident. It is mandatory for car owners to have a third-party insurance policy to protect the passengers and other road users. Car accident victims without insurance are expected to file for an SR-22 form from the insurance company. If you are not a car owner, you should not worry since applying for non owners insurance is a simple and straightforward process. Keep reading this article to learn more about non owners insurance.

Today, car insurance providers offer insurance policy for people who don’t own a car. If you are considered a high-risk driver by the state, you must have non owners insurance policy. Non-owner insurance is insurance coverage for high-risk drivers that do not own a car. The law states that a non-owner should have this type of insurance, and this is one of the reasons why you should invest in it. The need for non owners insurance is emphasized for individuals that drive cars that aren’t theirs, such as a rental car. Normally, SR-22 insurance is usually expensive as you are considered a high-risk driver. In as much as non owners insurance is costly, you will enjoy peace of mind as you will not have to worry about issues with the law.

Why should one apply for non owners SR-22 insurance? There are several reasons why one may be required to file for an SR-22. For instance, if you have received a citation for driving without insurance, it is important to apply for SR-22 insurance. Also, if you have been charged with a DUI or you have been convicted for driving without insurance. This page highlights more scenarios where one needs to apply for non owners SR-22 insurance. It is also advisable to file non owners insurance if you are attempting to reinstate your driver’s license after a suspension.

Non owners insurance is usually less expensive as compared to traditional auto insurance. This only applies to drivers who don’t have SR-22. If you have an SR-22, you will pay around 240$ monthly for non owners insurance. The penalty for using expired insurance or defaulting in payment is the suspension of the driver’s license. There are means through which you can cut your cost on non owners insurance. You can compare the rates of different insurance providers so that you can reduce this cost. The cost of non owners insurance offered by the company should be financially sustainable.

Therefore, if you want to remain compliant with the law, you should apply for non-owner SR-22 insurance.

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