Example
You got a DWI a few months ago and lost your license. Since you are no longer driving, you have decided to sell your car. When it comes time to get your license reinstated, the state will require you to file the sr22 form. The only way to get an sr22 is to have an insurance policy and if you no longer own a car – the nonowner policy is a cheap option.
It may seem odd that insurance is needed for a person that has no car and no intention of driving. But in this scenario, the non-owner policy with an sr22 will help you get your license.
Another Example
You have never owned a car, but last year you borrowed a friend’s car and got into an accident. Unfortunately, your friend did not have his car insured. Consequently, you (and your friend) both lost your licenses.
The state is now requiring you to show proof of insurance before they will allow you to get reinstated. In this scenario – the non-owner policy should do the trick.