Florida Non Owner SR22 Insurance vs. Owner

There are basically two types of SR22’s; a Florida Non Owner SR22 and a Florida Owner SR22. Your situation will determine which type of policy you need.

Which Do You Need?

While we’ll outline the basics between the two options, nothing can replace giving us a call and explaining your situation. There are many variable involved in choosing the right type of policy and we can quickly explain which route you should take. We deal with so many cases, it would be hard to conceive a situation we haven’t worked with yet. A Florida SR22 Insurance policy isn’t the same for everyone. We can explain not only which policy you should take, but we can also tell you why. Most insurance companies allow a Florida SR22 to be paid on a monthly payment plan.

How to Find the Cheapest Florida Non Owner SR22 Insurance

Florida Non Owner SR22 Policy

A Florida Non Owner SR22 policy is also called a Named-Operator Liability Policy. This insures you, the driver, for any vehicle you may be operating; which you don’t own. They function as secondary coverage with the 10/20/10 requirements as mandated by the State of Florida. In order to make a claim on a Non-Owner policy, you must have exhausted the coverage from the primary insurance on that vehicle. It should be noted that a Florida SR22 Non-Owner Policy will not offer Collision or Comprehensive Coverage on the vehicle.

Generally, you’ll find that a Non-Owner policy is FAR CHEAPER than an Owner policy. If you don’t own a vehicle, or if you aren’t going to drive your vehicle, a Non-Owner Florida SR22 is the way to go.

Florida Owner Policy

A Florida SR22 Owner policy will cover everything a Non-Owner policy covers, but it adds coverage for your vehicle as well. You can choose to add Full Coverage to your policy or you can keep the policy with Liability Only. If you’re financing your vehicle you’re going to want to carry full coverage (in fact your financing contract probably states that you have to). Basically if you own a car that must be covered on insurance, you’ll need to get an Owner policy.