Are you looking for a way to obtain liability coverage, but don’t have a car or other vehicle to insure? If so, SR22 non-driver insurance might be the perfect solution. In this blog post, we’ll discuss the basics of SR22 non-driver insurance, who needs it and how to get it.

What Is SR22 Non-Driver Insurance?

A Non-Driver SR-22 is intended for individuals who do not currently own or operate a vehicle. SR22 non-driver insurance is a type of high-risk insurance that is primarily used by individuals who may have had their driver’s license suspended or revoked due to an infraction. The policy is purchased and maintained under the individual’s name rather than in relation to any vehicles they own or operate.

Who Is Required To Have An SR22 Policy?

In most cases, an individual will only need an SR22 policy if they have been convicted of:

  • Driving under the influence (DUI)
  • Racing on a public highway
  • Causing injury or death while driving
  • Refusal of chemical testing

Additionally, individuals who have had multiple license suspensions over a given period may also be required to obtain an SR22 policy by their state DMV.

How Do I Get An SR22 Policy?

The process for obtaining an SR 22 policy is relatively straightforward; simply contact your local car insurance agency to inquire about purchasing it and discuss what discounts are available. Your insurer should provide further instructions about how long your coverage must remain active (typically three years). They will then file the necessary paperwork with the DMV and issue you an SR-22 certificate. Easy peasy!

It’s important to note that not all insurance companies offer SR-22 coverage, so you may need to shop around to find a company that does. Also, the cost of SR-22 coverage can be higher than traditional car insurance coverage. But don’t let that discourage you, it’s a small price to pay to get your license back!

What Are The Benefits Of An SR22 Policy?

Having an SR 22 policy can offer many benefits even if you aren’t currently driving a car. It can serve as evidence that you are taking responsibility financially by maintaining adequate liability protection in case you are responsible for causing bodily injuries or property damage while operating your vehicle—even when there isn’t one involved! Additionally, having this type of coverage can help lower premiums over time due to its high-risk classification compared with traditional auto insurance plans offered across markets today regardless whether drivers are deemed high risk or not .

It’s worth noting that an SR-22 is not a type of insurance policy, but rather a certification that you have the required insurance coverage. It’s also important to understand that an SR-22 is not a “get out of jail free” card and does not excuse you from the consequences of your actions. You will still be held accountable for any traffic offenses you commit and may face additional penalties.

a Non-Driver SR-22 is a document that proves to the DMV that you have the required car insurance coverage and is typically required for individuals who have had their driver’s license suspended or revoked and need to have it reinstated. The process of obtaining a Non-Driver SR-22 is relatively simple and the cost is worth it to get your license back. Remember to keep your SR-22 coverage up to date to avoid any issues with the DMV.

Final Thoughts, obtaining an adequate and affordable amount of liability protection is important no matter what situation you find yourself in—especially when young adults start out on their own without owning/operating any vehicles whatsoever! Working closely with your insurer and understanding all related requirements will help ensure that you find the best option for yourselves so do some research before deciding which route suits your needs best!