Reader’s Question:

Is it really possible to be asked to carry SR-22 here in Florida even if you don’t have a car?

Bess

Miami, FL

Yes, Bess, it is possible. An SR-22 makes sure that when you drive a car and if you figure in an accident and you were the one who caused it, you would be able to handle all the expenses that would be needed to cover the damages. When you are required to carry an SR-22, it means that you have been in an accident before and that you were not able to financially cover what you need to cover. It could also mean that your driving record does not look very responsible to the court or the state of Florida.

But even if you have an SR-22, you are still allowed to drive a car. If you are still able to drive a car, there is still a chance of you being in an accident. If you were in this situation, you would need a non-owners SR-22 insurance policy. Non-owners’ SR-22 provides liability insurance. Liability insurance covers the damage you do if you get in an accident and you were the one at fault.

However, if you have a car assigned to you or if there is a car that you drive regularly, you should have regular SR-22. Non-owners SR-22 will only apply if you really don’t have a car that you usually drive.

Tags: liability insurance, non owners insurance, sr22 car insurance