Non-Owner SR-22 and Rental Cars
Yes. A non-owner SR-22 policy gives you liability coverage when you drive a rental car. It does not pay for damage to the rental car itself.
What is covered
- Injuries that you cause to other people
- Damage that you cause to other people's property
What is not covered
- Damage to the rental car
- Theft of the rental car
- Loss-of-use and administrative fees charged by the rental company
Should you buy the rental company's waiver?
If you do not have another source of coverage, such as a credit card benefit, the collision damage waiver (CDW or LDW) is the only thing protecting you from paying for the car. Many drivers with an SR-22 buy it.
Can you rent with an SR-22?
Usually, yes, as long as your license is valid. However, rental companies check driving records, and some deny renters with recent DUIs or suspensions. Check the company's policy before you book.
Do I use non-owner insurance for a long-term rental?
Non-owner policies are designed for occasional use. A month-to-month or long-term rental may count as "regular use," so ask your insurer first.