Why You Still Need SR-22 Insurance if You Don’t Have a Car

SR-22 insurance is a necessity for many drivers who face criminal charges for reckless or unsafe driving. You will still need this insurance even if you don’t own a vehicle if the courts tell you to get it. Here’s a look at the reasons why you still need SR-22 insurance if you don’t have a car.

Getting Your License Back

One of the main reasons why you’ll need SR-22 insurance if you don’t have a car is to get your license back. In most cases, the reason you need this insurance is because the state suspends your license until you can get a higher level of insurance. Even if you don’t own a vehicle, you can’t legally drive without a license and need the insurance to get your license back.

Vehicle Rentals

While it may seem odd that you need a license if you don’t own a vehicle, there are still many ways to drive without owning a car. A common example is renting cars, which is very common for people who travel. You’ll need the license to rent, and you need the insurance to get the license. The insurance will also come in handy if you get into an accident in a rental vehicle.

Borrowing a Vehicle

Similar to renting, borrowing a vehicle is another way to drive a vehicle without owning it. However, the state could hold you liable for an accident in someone else’s car. This is another reason why insurance is vital for someone even if they don’t own a vehicle.

Which Insurance To Get

Most insurance policies work on a per-vehicle system, but that doesn’t work for someone without a vehicle. That’s why you need to find a company that offers non-owner car insurance that caters to SR-22 requirements. These policies are perfect for people who drive vehicles they don’t own.

Getting SR-22 insurance is necessary in certain states, even if you don’t own a car. And while it’s best to avoid needing SR-22 insurance in the first place, now you know what to do if you need it but don’t own a vehicle.