You will need SR-22 insurance in California without a car if you retain your driving privileges or are issued a restricted license, and you want to drive a car borrowed from someone else.
You will probably be required to file an SR-22 after being convicted of a major vehicle violation, to verify that you’re legally insured to drive. Your license may be suspended for your violation. But it may not be, depending on the nature of the violation, or you may get a “hardship” license to drive to school or work. In these cases, or when your license is reinstated, you must have SR-22 insurance to drive. If you don’t have your own car, you must buy a non-owner SR-22 liability policy to cover you anytime you are given permission to drive another person's car.
Usually, non-owner policies aren’t intended to cover you while you’re driving the car of someone in your household. A car owner who lives with you ordinarily would have to add you to his or her insurance policy for the vehicle. That said, the rule is different for those who are required to file a SR-22: Even if you’re driving a car that belongs to someone in your household, you must have your own non-owner SR-22 policy to drive legally.
A non-owner SR-22 policy must include at least California’s minimum liability insurance requirements:
- $15,000 of bodily injury coverage per person/$30,000 of bodily injury coverage per accident
- $5,000 of property damage coverage per accident
If you cause an accident, this liability insurance covers any losses suffered by the other party. But it doesn’t cover you, your passengers or the car you borrowed. Damage to the car will be covered by the owner’s policy if they have collision insurance.
Most major insurance companies offer non-owner policies, but some won’t insure you if you need an SR-22. You should be able to get multiple quotes for this combination in California, however. It pays to shop around and find the lowest prices.
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