SR22 Non-owner’s insurance Billings, Montana MT
Reader’s Question:
I am from Billings, Montana and I would like to know if an SR22 non-owner’s car insurance policy work for me if I am driving a car that is owned by the company.
Sandy
Billings, MT
Hello there, Sandy!
I would like to note that an SR22 non-owner or named-operator liability policy is insurance on you for any vehicles you operate that you do not own, like the company car you are driving in Billings, Montana. This is also to inform you that this type of liability policy is usually written with a state’s minimum coverage limits, and covers only other drivers or property and not your own. Let’s just say you were in an accident that was your fault, the liability insurance would cover only the injury to or property damage of others that occurred as a result of the accident and would not pay to fix the car you were driving, or your own injury.
SR22 filing can be attached to a non-owner policy to satisfy the state’s requirements for license release which is the only option if you do not own a vehicle. If you would purchase insurance in this case, it would have little chance of being used. You can simply use a non-owner policy to satisfy the state requirements, and keep your existing insurance in place. There is really no communication between the two insurance companies and the other policy has no effect on the other one. You can keep the non-owner policy in force until the state’s time requirement is completed. You may then cancel and continue with your original insurance with an unaffected insurance.
Non-owner refers to the fact that there is no vehicle insured on it – not that you don’t own a vehicle or insure one on another policy.