Do I Need Car Insurance for Driving Someone Else’s Car?
Reader’s Question:
Quick question on non owner policy in Green Bay, Wisconsin: if I have auto insurance, will I need one if I keep driving another one’s car?
Miller
Green Bay, Wisconsin WI
I hope you are doing well, Miller.
Non-owner policy is also known as an operator policy. This is an insurance policy that provides basic mandatory liability coverage on any vehicle that you operate but does not own. This may be a friend’s vehicle or a company car used by you on the job. This policy may be written exclusive of your existing insurance in Green Bay, Wisconsin.
So that if other vehicles in the household have existing insurance, this policy may be issued discretely to satisfy the Wisconsin SR-22 high-risk auto insurance requirement. Your current insurance carrier in Green Bay does not need to be notified of your requirement for high-risk short term SR-22 insurance coverage. Be warned though about this particular one because if your local carrier discovers extreme violations, the premiums may be increased or the policy may be canceled.
These policies are issued by your auto insurance agent in cooperation with an acceptable insurance company licensed to operate in the State of Wisconsin. After the policy is issued, your auto insurer’s main office electronically files an SR-22 high-risk auto insurance form with the Wisconsin DMV Department of Financial Responsibility on the insured’s behalf. The issuing agent in Green Bay, Wisconsin also files an SR-22 insurance form with the State of Wisconsin and the insured receives a copy of the SR-22 insurance form along with the policy and proof of insurance cards.
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