Liability coverage that follows you instead of a car — for drivers who borrow, rent or need an SR-22 without owning a vehicle.
A non-owner policy provides liability coverage when you drive a vehicle you do not own. It follows you rather than a car, and it pays for injuries and property damage you cause to other people.
It does not include collision or comprehensive, because there is no vehicle of yours to repair. And it does not cover a car that is available to you regularly — the household car you drive every day belongs on that car's policy.
It does not repair the car you were driving. If you damage a borrowed vehicle, the owner's collision coverage handles that, subject to their deductible and their rate consequences.
It does not cover a vehicle in your household, or one furnished for your regular use, which in many cases includes a company car. And it is not a substitute for insuring a car you own — buy one, and the policy has to change.
Non-owner policies are generally far less expensive than standard auto policies, because the largest cost in auto insurance is repairing and replacing vehicles and there is no vehicle here.
The under-appreciated benefit is continuity. Carriers price continuous coverage favourably, and a year without a policy is a year that costs you later — often more than the non-owner policy would have cost in the first place.
If the state requires an SR-22 and you do not own a car, this is the standard answer. We submit the filing electronically, usually the same day the policy is in force; the Department of Revenue then takes up to five days to process it.
Do not let it lapse while the filing is required — a lapse generally restarts the clock. What happens if your SR-22 lapses · SR-22 filings.
We are licensed in all three states, with offices in Joplin, Carthage and Springfield. Most of this can be handled entirely by phone, with documents signed electronically and proof of insurance emailed the same day.
Liability coverage that follows you rather than a vehicle, for when you drive cars you do not own. It covers injuries and damage you cause to others, but not the car you are driving.
Yes, and that is the most common reason people buy one. It satisfies the state's proof-of-coverage requirement for drivers without a vehicle, and we file electronically, usually the same day.
Considerably less than a standard policy, because there is no vehicle to repair or replace. The price still depends on your driving record and which state you are in. Call us and we will quote it across our carriers.
It generally provides liability coverage when you rent, which can let you decline the rental counter's liability product. It does not cover damage to the rental vehicle itself unless that is added separately.
That depends on the carrier and on whether the vehicle is available for your regular use. If you drive it routinely, you usually need to be listed on that car's policy instead.
Call us before you drive it. The non-owner policy needs to be replaced with a standard auto policy, and if you carry an SR-22 the filing has to move across without a gap.
Tell us what you need covered and we will shop it across dozens of carriers.