A: For people who don’t own cars, it is still often necessary for them to drive using cars borrowed from other people, and so even if they have had their license suspended, they may need a driver’s license in order to get around. SR22 insurance for non owner drivers exists for people in these situations, so that they have the option of reinstating their suspended driver’s license with an SR22 form the same way others who do own cars do.  The SR22 part means that driver was convicted of either driving without a license, driving drunk or under the influence of drugs or driving with a suspended license.  Any way you slice it, they are high risk drivers.

You can find SR22 insurance for non owner drivers practically any place which sells car insurance policies, and many companies even allow you to purchase your non owner policy online. Some companies may not sell a non owner policy because, since they don’t know what kind of car you will be driving, it is considered high risk.

With a SR22 insurance for non owner drivers policy, you will only be able to purchase the minimum no fault and liability insurance in KY. Your insurance will also only cover you when you are driving cars which are not registered in your own name.

A: Kentucky is a no fault state, so on your Kentucky SR22 car insurance policy you will need to have your regular liability coverage as required in most states, and in addition to that you will need no fault personal injury protection.

First, let’s look at your liability insurance. You have bodily injury liability, which covers the death or injury of the other driver in their passengers when you are in a car accident which you are found to be at fault for. Your Kentucky SR22 policy must have $25,000 of bodily injury liability for each person, with a maximum coverage per accident, no matter how many people, of $50,000. Your second kind of liability insurance is your property damage liability. Your Kentucky SR22 will need ten thousand dollars worth of this coverage, and it will cover any damage you cause, to cars, fences, whatever, if you are at fault for an accident.

Next, we take in your no fault personal injury protection coverage, of which you will need ten thousand dollars worth on your Kentucky SR22 policy. Your personal injury insurance will cover any injuries you yourself sustain in a car accident.