Non Owners SR22 Insurance For Drivers Without Their Own Car
Reader’s Question:
I don’t usually drive to work but I need to drive for work since I drive a delivery truck. I got a DUI here in New Jersey and the state law required me SR22. What I don’t get is, I just drive for work, and how does the required insurance affects me since I don’t drive my own car? Am I not covered by the insurance coverage of my employer’s truck?
Jimmy
Irvington, NJ
New Jersey is a state that requires SR22, since you have been convicted of DUI then you should have DUI SR22 insurance. SR22 is a certificate that proves your financial responsibility. SR22 is only required by the Department of Motor Vehicles if you have for example failed to provide a proof to DMV that you have liability insurance. Another thing that SR22 is required is when you have been involved in an uninsured accident or you are reinstating your driving privileges following a DUI suspension. Be sure not to drive until an SR22 is filed to DMV especially when your driving privileges are suspended because you failed to get SR22 and got insurance after.
Your situation is different since you were not driving your own car when you had a DUI conviction. You are entitled to get SR22 Insurance for non-owners policy, the car you are driving may have an insurance coverage but this does not protect you. The SR22 insurance for non-owners protects you and the people who are harmed with an accident you had caused but not the vehicle. More often than not, only those people who have violations on the road or those who are in doubt if they can be responsible on the road are required to get SR22. DUI is one violation that can make your driving privileges suspended that you have to get SR22 insurance.
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