After a DUI, DWI or other major traffic violation, courts might order drivers to file an SR-22 form that certifies the convicted driver's insurance policy meets the state requirements. Those without vehicles must secure non-owner auto insurance to maintain driving privileges. Any coverage lapse forces drivers to restart the entire process, including purchasing new policies and potentially extending their filing period.
Unlike standard auto insurance that covers a specific vehicle and its regular drivers, non-owner insurance follows you as the driver. The coverage activates as secondary insurance when the vehicle owner's policy won't cover you or provide sufficient limits for damage you cause.