Hi! I’d like to know if my non owner SR22 insurance in Florida will be accepted if I drive in New York. Thanks.

Dwight

Miami, FL

Yes, your SR22 insurance in Florida will be accepted or honored in New York. If you bought your SR22 insurance to save on auto insurance, then you don’t have to worry about driving around in New York. Your SR 22 insurance policy gained in Florida will be honored there.

Normally, SR22 insurance in Florida is requested from a driver based on several conditions. First, it may be required from a driver involved in a major traffic violation and was not able to show any proof that he or she has insurance coverage. SR22 insurance may also be required from a driver whose car was involved in a traffic accident and subsequently cannot show insurance to cover the damages. Both of these situations can result to a driver being asked to file SR22 primarily to certify that the driver is aware of his financial responsibilities.

In your case, since your SR22 was obtained just because you wanted to save on your car rental insurance, then you can still drive around any other state with your SR22 insurance.

Before I purchase car insurance in Miami Florida, do I need a title on the car?

Greg

Miami FL

You will need to prove that you have insurable interest in an automobile through either being the individual on the title and/or registration of the vehicle you are trying to place insurance on.

Most insurance providers require that you have an insurable interest in the vehicle before you can insure on your car insurance policy in Miami Florida. Some insurance providers require that your name show on the registration or title in order to be able to buy a car insurance policy under your name.

Most insurance providers require you to have insurable interest in a car before purchasing car insurance, some insurance carriers, will permit someone without insurable interest in a vehicle to get a car insurance policy.

Tags: auto insurance, car insurance

A: Miami FL non owner insurance is pretty simple to understand, but I will make a chart for you.

I have a car ——> buy a regular insurance policy

I do not have a car —–> buy Miami FL non owner insurance

Okay, it’s not that simple, but not much more difficult. Basically, non owner insurance is perfect for people who drive but don’t have cars of their own. If you drive your friend’s, employer’s, or rental company’s cars a lot, then it’s nice to be able to just glide buy and let them pay for the insurance, but it’s also difficult to rely on them for everything. If you get into an accident and their car insurance doesn’t cover everything, guess who gets to pay the rest? That’s right, my friend–YOU. If you have non owner insurance, you’re safe from that.

I’m not going to say there aren’t drawbacks. You can only get liability insurance with Miami FL non owner insurance, and it’s pretty pricey to boot. But it’s better than the alternative, which for friends/employers’ cars means possibly leaving yourself open to financial ruin, and for rental cars means paying more on insurance waivers over time.