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Texas SR22 Non Owner Insurance Policy

The holidays are almost upon us. If you plan on ringing in the holidays with a few drinks with friends or work colleagues make sure you get in a cab instead of getting behind the wheel. A DUI, driving without insurance or reckless driving charge will have a serious impact on your life that extends well beyond the cost of the ticket.

It is entirely possible that your license will be suspend for a significant period of time or the costs of the fines, and lawyer fees will force you to sell your vehicle. If you are in an accident while driving drunk you could find it impossible to qualify for insurance or a car loan, either way you may wake up and discover you no longer have a vehicle.

If this has happened to you, or a loved one, it is time to start shopping for a SR-22 non-owner policy. This type of policy will protect you from liability claims when you no longer own a car but drive someone else’s vehicle now and again. It may end up being a work vehicle, or a friend or family members, but the important part is that you are not the owner.

SR-22 Non Owner Insurance Details

SR-22 non-owner insurance is not actually a policy or type of insurance. It is a filing from your insurer that proves you are carrying the proper insurance coverage. In most cases this will be court ordered due to your DUI or other major driving offense. Most SR-22 non-owner policies are written for the state coverage minimums.

Texas requires all drivers, and especially those convicted of a major driving offense, to carry two different types of car insurance if they want to be legal out on the road.

Bodily Injury Liability – This car insurance will pay out in the event that you cause an accident and hurt another driver or pedestrian. It will pay for all of the damages that you are legally responsible for and will pay for your legal defense if you are sued. It will pay up to policy limits.

Texas requires drivers, or in your case, non-drivers to carry $30,000 for each person, $60,000 per accident claim. The majority of experts recommend carrying higher limits as the minimums will not cover your costs if you are responsible for a serious accident.

Property Damage Liability – This type of coverage will pay for the damage that you do to another person’s property, including their car. This type of policy will ensure that you can cover the cost of repairing another person’s car if you damage or total it during an accident.

PD insurance will also pay for damage to property other than their car. It will cover things such as mailboxes, tree’s, shrub’s and even fences.

The Lone Star state requires you to carry this type of coverage at a minimum of $25,000. Again, most experts recommend carrying higher limits, around $50,000.

Details of Non-Owner Insurance

Insurers call these policies named-operated policies. They are secondary insurance, meaning that the person who owns the vehicle is the primary coverage on the car. If you are in an accident while driving another person’s car, assuming you had their permission, their coverage would pay for any damages up to their policy limits. Once their coverage was exhausted, your non-owners policy would kick in to cover any additional costs up to your policy limits.

There are a few limitations and requirements associated with these policies:

  • They only cover liability issues, they will not pay to fix the car you were driving.
  • The policy will not cover rental or commercial vehicles.
  • Non-owner policies do not pay out if the vehicle you are driving is owned by someone that lives in your household.
  • You are not allowed to own a vehicle if you have one of these policies.

Prices will vary dramatically for SR-22 non-owner polices so be sure to shop around to find the best deal. There are a number of specialty agencies that work almost exclusively with SR-22 customers, often they will have the best price.

Or phone us for even faster service, toll free: (866) 52-FOCUS.


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