Can I Drive Someone Else’s Car With An SR-22?

November 11, 2020

Posted by Joey Hernandez

If you are wondering whether you can drive someone else’s car while having an SR-22 on your driving record, the short answer is yes, you can. However, the requirements vary state by state, so it is always a good idea to check with your DMV to confirm. For some states, you may be required to have a non-owner SR-22 insurance, especially if you have been convicted of a DUI. It may also be helpful to note that an Operator’s Certificate will allow you to drive any car that you do not own. 

What Does Non-Owner SR-22 Cover? 

Non-owner SR-22 gives you liability coverage if you decide to drive someone else’s vehicle. If you are in an accident and you are found at fault, your non-owner SR-22 will cover the costs of certain items. These include: 

  • Medical expenses for the other driver and any passengers
  • Property damage and vehicle repair 
  • Personal injury, including lost wages and trauma to the other person involved

If the other driver is determined to be at-fault, then their car insurance may cover you as it normally would. Keep in mind that a Non-Owner SR-22 is designed only to cover other driver’s expenses in the event of an accident that you caused- an SR-22 does not cover damage to your car, or other expenses that only pertain to you. 

How To Obtain An SR-22 Insurance Policy

Obtaining an SR-22 form can be stressful, but with Joey Hernandez Insurance Solutions, it doesn’t have to be! You can get instant SR-22 filing and get your license reinstated the same day you contact us. Give us a call today at (866) 772-1114.

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