Indiana Non Owner SR22 Insurance

Indiana Non-Owner SR22 Insurance Explained

An Indiana Non-Owner SR22 policy allows the insured to drive any automobile they don’t own, which they have permission to operate. An Indiana Non-Owner SR22 is considerably cheaper than it’s counterpart; an Owner Policy. A Non-Owner policy is the best way to have your driving privileges reinstated, become compliant with Indiana State requirements, and legally operate vehicles that are not owned by the insured.

An Indiana SR22 Auto Insurance policy is usually required for a period of 3 years from the date of conviction. The insurance coverage required on an Indiana SR22 is 25/50/10. This means:

  • $25,000 is the maximum amount paid per person for Bodily Injury (BI)
  • $50,000 is the total amount paid by the insurance company for injuries sustained by all persons in the event of an accident. This is generally done on a “first come, first serve” basis. Therefore, any claims made against the insurance company in excess of the policy maximums will be held against the insured themselves.
  • $10,000 is the total amount paid out on Property Damage (PD)

The “SR” in an Indiana SR22 stands for “Safety Responsibility”. It is not an insurance policy within itself, but a document verifying that coverage is in place. The Indiana Non-Owner SR22 is prepared by an insurance company and then filed electronically with the California Department of Motor Vehicles. If a person doesn’t keep their Indiana Non-Owner SR22 for the required period of time, their license will be immediately suspended and their driving privileges will subsequently be revoked.

An Indiana SR22 requirement can be mandated for a variety of reasons. Some of those may include:

  • Refusal of breath or blood examination if stopped for a DUI
  • Excessive point violations on a driver’s Motor Vehicle Record
  • Accidents where an insurance policy wasn’t active
  • Domestic infractions such as failure to be current on Child Support payments

Points to mention about an Indiana Non-Owner SR22:

  • Only one driver can be listed on a Non-Owner insurance policy
  • No vehicles are covered on a Non-Owner policy
  • No Comprehensive or Collision coverage is offered on a Non-Owner policy
  • No Commercial or Rental vehicle coverage is offered on a Non-Owner policy