The SR22 was created by the State of Florida to certify that you have liability limits of 10/20/10. This translates into $10,000 per person, $20,000 per accident and $10,000 in property damage coverage. Unlike most Florida drivers you must purchase extra coverage for bodily injury to others. If the SR22 is not required, you would only need to carry $10,000 in property damage coverage along with personal injury protection. Some people think that the SR22 policy is separate from your normal auto policy, but this is not the case. The SR22 filing can be built right into you new auto policy, there is no need to carry two separate policies. The State of Florida might require you to have a SR22 filing for a variety of reasons. Staybull Insurance can help you figure out if you need the SR22 filing. We have direct access to the DMV system and can also pull your SR22 case number for you. Staybull can also provide named non-owner SR22 policies for individuals that do not have a vehicle. Please do not hesitate to give us a call if you have any questions about your SR22 insurance.
What is a named non-owners SR22 insurance?
Named non-owner SR22 policies will fulfil the SR22 requirement for individuals that do not have a vehicle. This type of policy will provide coverage for your liability of bodily injury and property damage while you are operating non-owned vehicles. Named non-owner policies typically provide much less coverage than a normal auto policy. Non-owner policies do not provide any coverage for any vehicle you own, regularly operate, or have regular use of. Most non-owner policies do not include any personal injury protection or medical payments coverage if you are injured. Named non-owner SR22 policies also do not provide any physical damage coverage for the actual vehicle you are driving, this would be the responsibility of the vehicle owner. It is also important to note that this type of policy only provides coverage for your liability of bodily injury and property damage to others, not the owner of the vehicles liability. Please feel free to give our office a call if you have any questions about this type of policy, we would be happy to help.