Reader’s Question:

I have a non-owners SR22 insurance policy and I understand that I can operate any car with permission except one that belongs to a family member? Does this mean that I cannot drive a car owned by a family member? Or does it simply mean that the car insurance policy will not cover me in case of accident? Please I need help.

Jenny

Fort Wayne, IN

A non-owners policy usually means that the an individual on the policy does not own a car nor lives in a household with a car. If the family member does not live in your household it might be possible for you to operate their vehicle but you should check with your insurance broker.

Also make certain that your family member’s vehicle is insured and would cover you if there is an accident since when borrowing somebody else’s vehicle, the car owner’s insurance policy is primary to cover damages.

Reader’s Question:

I currently have an auto insurance policy with my insurance agent for the next three months. Can I purchase an SR22 as additional auto insurance policy through another insurance provider?

Jim

Dallas, TX

No. I do not see any reason why you should continue paying on one auto insurance policy and purchasing another auto insurance policy. In fact it is actually illegal to have two policies on the same insurable interest in some states.

If your insurance provider can file the SR-22 insurance policy for you, that would be the first course of action. If they cannot, then I suggest that you find an auto insurance policy that has an SR-22, buy it and cancel your existing policy.

Additionally, there is no such thing as SR22 as an additional coverage. An SR-22 is an insurance policy that the state mandated requirement to show proof of auto insurance coverage.