Reader’s Question:

The insurance coverage on my car has lapsed. It is not not insured at all currently. My friend has a non-owners auto insurance policy with the sr-22. Can my friend drive my vehicle legally with only the non-owners insurance, or is my car required to have its own insurance policy if it is to be driven? I’m in Amarillo, Texas.

James

Amarillo, TX

According to Texas state law, which is the same to most states, every owner and driver of a vehicle must maintain financial responsibility (insurance). If your friend got involve in an accident that was their fault the car’s insurance (thus you as the owner) would be primary. If the car did not have insurance the individual hit could go after you, the owner, personally for the cost of repairs, medical, etc.

Your friend’s non-owner SR22 will be secondary on whatever car he or she drives. So your friend will have to make sure that the car has auto insurance on it as well.

Tags: auto insurance, non owners insurance, sr22 car insurance