Non owner insurance is an insurance policy covering individuals while they are operating motor vehicles that are not owned by these individuals or vehicles that are not furnished for the regular use of these people. Nonowners policies typically include liability, medical payments, and uninsured motorist coverages. Non-owners policies do not include any physical damage (comprehensive & collision,) towing reimbursement, or rental reimbursement coverage.

No owner insurance does not cover:

a. Any car that is titled under the insured’s name or his/her spouse.

b. Cars driven in the course of business transaction/ business autos.

c. Any vehicles used by the individual on regular basis.

Extra Protection Only. Non owner is secondary insurance, and is not a substitute for vehicle insurance. A person is required to show a proof of insurance on the vehicle driven in case he/she gets pulled over by the police. The fact that the operator has a non-owner coverage will not excuse the operator for not having coverage on the vehicle. In Illinois, auto insurance is mandatory, and you are in compliance with the mandatory insurance law if you have vehicle liability insurance (not non-owner) in certain minimum limits.

The needs for non-owner:

Non owners insurance can be very beneficial in situations where people want to have extra protection. The coverage, for example, can be very helpful in situations where the Insured rents a vehicle. Also, non owner can be beneficial in situations where people may need to comply with certain legal or contractual obligations. Some people who are required to have financial responsibility filing (SR22) but do not own a vehicle may purchase a non-owner policy with a (SR22) filing. Also, people who want to get extra protection while they are driving other people’s vehicles – friend’s vehicle- (that must also be insured) may also get non-owner coverage. Certain contractors may be required to have coverage for ‘non owned auto’ as part of a legal contract with others.

SR22 VS Non-Owner

In Illinois, an SR-22 is an insurance policy filed by the home office of an insurance company directly to the Secretary of State. The SR-22 certificate is issued in one of the following forms:

1. Non-Owner SR22 or Operator’s Certificate – This policy covers the motorist in the operation of any non-owned vehicle. If the motorist does not own a vehicle, the financial responsibility requirement can be met through the Operator’s Certificate.

2. Owner’s Certificate – This policy covers vehicles owned by the driver. The type of vehicle must be listed on the SR-22 or may be issued for “All owned vehicles”.

3. Operators-Owners Certificate – This certificate covers all vehicles owned or non-owned by the driver.

An SR-22 may be obtained by contacting an insurance company that is authorized to write SR-22 policies for Illinois. When payment is made to an insurance agency, the agent will submit a request for an SR-22 certificate to the main office of the insurance company. The SR-22 certificate will then be sent directly to the Secretary of State in Springfield.

Although most insurance companies file the certificate electronically, the filing process may take up to 30 days. Upon acceptance, the individual will receive a copy of the SR-22 from the insurance company and a letter from the Secretary of State. Once the insurance is accepted, it must be maintained until notified by the Secretary of State (normally for a period of 12-36 months.) If the SR-22 expires or is canceled, the insurance company is required by law to notify the Safety and Financial Responsibility Section by a SR-26 Cancellation Certificate. Upon receipt, S&FR will then load a Type Action 05 suspension on the driving record. This suspension cannot be removed until the insurance filing has been reinstated.

Author Bio: Ed Sneineh is Founder of Insurance Navy. Learn more about non-owner SR22 insurance. Get your instant quote for your SR22 now.

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