Any person who lives in the state of Ohio who’s license has been suspended by the BMV and is required to show proof of a Ohio SR22 insurance filing prior to having their license reinstated by the BMV, but does not own their own vehicle but has the need to drive will need to apply for a non-owner SR22 policy in order to satisfy the DMV SR22 insurance requirement.
Ohio non-owner SR22 insurance policies can only be written as a liability only policy. The policy must at minimum meet the states minimum auto insurance liability requirements. You can however, choose higher limits. Since the state of Ohio has very low liability coverage limits it is strongly recommend that you opt for higher minimum coverage limits.
The only requirement that is placed upon a person wishing to apply for a non-owner SR22 insurance policy is that they must not personally hold title to any motor vehicle in their own name. Anyone who holds title to a vehicle in their own name who applies for a non-owner policy will be turned down for such a policy. An option for a person who holds title to a vehicle who is required by the BMV to carry SR22 insurance in BMV may opt for transferring title of any vehicles they own to a family member during the 3-year SR22 filing period.
What does a Ohio non-owner SR22 Policy cover?
As stated above, a non-owner SR22 insurance policy in the state of Ohio is a liability only policy. Meaning that if you are involved in an accident and are determined to be at fault, your non-owner policy will cover the damages to the other vehicle, injuries to the other vehicle(s) occupants and any additional property damage up to your coverage limits.
A Ohio non-owner SR22 insurance policy will not cover any damages to the vehicle you were driving at the time, or any medical expenses you or any passenger of your vehicle incurs as a result of the accident, nor any additional property damage caused. These will be out-of-pocket expenses that you will be responsible to cover.
How do I apply for a Ohio non-owner SR22 insurance policy?
Applying for a non-owner SR22 insurance policy is no different than applying for a standard SR22 insurance policy in the state of Ohio. All you have to do is fill out and submit our online Ohio SR22 insurance quote form and let the agents that contact you know that you wish to apply for a non-owner’s policy.
How will the Ohio BMV know I have a non-owner SR22 policy?
Once you receive your non-owner SR22 insurance quotes and decide which policy to go with, your insurance provider will electronically transmit your SR22 filing to the Ohio BMV. Then all you have to do is go down to your local BMV office and complete the reinstatement process and pay any necessary fees to get your license reinstated or to have a restricted license issued.