Reader question:

What is SR22 filing good for? Can’t I just drive a friend’s already insured car? I don’t even own a car.

Bill

I’m glad you asked, Bill.

The point is, Bill, that SR22 filing is what you need to be licensed to drive. If you don’t file an SR22, then you don’t have a license, and therefore you can’t even legally drive. If you drive without a license, then you risk getting pulled over by a police officer and found out, and then getting into even more trouble than you already are. If you think you miss your license now, imagine getting pulled over for driving without a license. You may even get your vehicle impounded.

If you don’t own a vehicle, then no owners SR22 filing is what you need to do. This type of filing allows you to purchase liability auto insurance which will apply to any car that you drive, so long as you don’t own it. It costs more than usual, sure, but at least you’re driving legally, and as long as you shop around for quotes onlin you won’t come out that bad.

Non owners SR22 is also pretty great because you are still covered by the insurance of the car you’re driving. Drive only cars with full coverage insurance, and you’ll probably never have to use your own policy.

Cheers,

Fashun Guadarrama.