Reader’s Question:

I have an SR22 insurance. I am just wondering of a friend borrows my vehicle will they be covered with my SR22? If for instance my friend does not have car insurance and he borrowed my vehicle, and got into an accident, will he be covered by my SR22? In other words, will my SR22 cover the damages?

Tim

St Louis MO

Automobile insurance typically follows the automobile first and the person operating the car is secondary- meaning in case of an accident, the insurance of the vehicle will pay the cost of the damages due to accident and the insurance of the driver will cover the excess. Most states have Financial Responsibility Law wherein drivers are required to have car insurance. They will get a ticket for driving without insurance if they got pulled over and unable to provide proof of car insurance. If that happens their drivers license will be suspended and will be required to obtain an SR22.

So, an SR22 is just a liability insurance and it will cover the vehicle damaged but not the at fault motorist’s car damages.

If you want to be sure what your SR22 in St Louis Missouri covers, you may contact your car insurance provider to get more information. You may ask them if your uninsured friend will be covered by your SR22 if they drive your vehicle.

Tags: auto insurance, sr22 insurance

Q: So, I have to file an SR22, but I think you need to own a car to get insurance, or is there ST. Louis MO non owner insurance?

A: Yeah, normally if you don’t own a car, but you drive other people’s cars, you can just kind of slide along and mooch off of their insurance, but once you start having to file an SR22, you need to do more than drive an insured car. YOU have to be insured, in YOUR name. So, unless you want to buy a car (why not? you’ll probably have to take out a second mortgage just to afford SR22 insurance anyway), you can get ST. Louis MO non owner insurance.

If you drive rented cars a lot, for business or whatever, they give you the option to purchase insurance for while you’re driving that car. Now, ST. Louis MO non owner insurance isn’t a walk in the monetary park, but those insurance waivers from the car rental place DO add up, so if you’re trying to save money, non owner insurance is cheaper as well.

Even though you can only get required coverages (i.e. liability) with ST. Louis MO non owner insurance, whenever you’re driving a car which already has insurance, you don’t even use your coverage unless all of the money covering that car runs out, so if your car has personal injury protection, you’re covered even if your own insurance policy doesn’t.