Non owner Minnesota SR22

Q: My license is suspended right now and I’m supposed to file this form to get it back. I went to the insurance office, and the agent told me I needed non owner Minnesota SR22 instead of what I had meant to get. What is that? Is that what I need?

A: If the agent told you that you need to get a non owner Minnesota SR22 car insurance policy, it’s probably because you don’t own a car. It’s kind of surprising that the agent wasn’t able to hook you up with such a policy, as most companies sell them, bu if you try for a bigger company or just shop around, you shouldn’t have trouble finding one.

A non owner Minnesota SR22 policy is a liability coverage policy which will cover you when you drive any car that you do not own, so long as you do so legally (that is to say, your not stealing it) and with the permission, or implied consent, of the car’s owner. It will not apply to your own car, so if you do own a car you’ll need a regular policy.

A non owner Minnesota SR22 is costly, because your car usage can vary widely and that is normally a big thing in the insurance risk score rating process. If you take advantage of he available discounts, though, it won’t be so bad.