Can You Drive a Borrowed Car If You Have SR22 Insurance?

Can You Drive a Borrowed Car If You Have SR22 Insurance?

When it comes to SR22 insurance, a lot of confusing gray areas can trip up uninformed SR22-holders. However, it’s best to know the concrete details of what the law requires from you as a driver. To help you with this, here’s the reasoning behind whether you can drive a borrowed car if you have SR22 insurance.

What is SR22 insurance?

SR22 insurance, also known as high-risk insurance, is a compulsory insurance designation that’s required after one has been convicted of certain charges. An SR22 certificate does not directly provide insurance to a vehicle; rather, it verifies that the holder has the minimum amount of liability insurance. Some of the convictions that can force you to get SR22 include:

  • DUI charges
  • Being late on child support tickets
  • Having your license suspended
  • Getting multiple traffic tickets in a short time span
  • Driving without insurance

Can you drive a borrowed car with SR22 insurance?

If you have SR22 on your license, it’s important to keep in mind that all your documents are tied to the car on which the SR22 is registered rather than directly to you. Keeping this in mind, the answer is no. This may seem like a dead end, but there’s another way to drive a car not in your name: namely, you’d be forced to take out a nonowner SR22 certificate.

What is nonowner SR22?

Nonowner SR22 is a certificate that serves much the same purpose as SR22 insurance, except that it acknowledges the fact that you’re not the titleholder of the vehicle. Even so, these nonowner policies do have limited coverage, which can include:

  • Medical bills of the other driver or passengers in an accident
  • Property damage for all vehicle repair expenses
  • Other injury expenses in the form of emotional trauma and lost wages

When it comes to driving a borrowed car with SR22 insurance, it always pays to be extra careful in ensuring you’re doing everything completely legally. It may get confusing at times, but it will ensure you’re making the most effort possible to follow the rules of the road. If you’re looking for affordable nonowner’s car insurance, reach out to Serenity Group today!