There are three kinds of gay friendly SR22 form:

• Owner operator SR22: this is the most common type of SR22, for people own and drive their car.
• Operator SR22: also called non owner SR22, for people who don’t own a car, but still drive
• Owner SR22: for those who own a car, but don’t drive

It’s important to always have one on file during the first three years after you became eligible to reinstate your driver’s license (or in some cases, such as in Texas, two years; in other cases, such as for repeat DUI offenders, five or more; please check on your case to see how many years you must file the SR22 form). If you don’t, the consequences could be difficult for you to get out of. Already it is very expensive to reinstate a driver’s license, but if your insurance is cancelled, an SR26 is filed by your company, which cancels the gay friendly SR22 form out. With this, your license is once again suspended and you will have to pay the fines and fees to get it back.

Having your auto insurance cancelled can sow consequences beyond just this. You begin to seem like an unreliable customer, which will make it harder for you to find a company to insure you in the future. When you do, they may charge you higher rates.

A gay friendly non owner SR22 policy is an excellent option for insurance for those who don’t own their own vehicle, but who still have to drive from time to time, or for people who regularly rent cars for business. If you’re a chronic renter, buying a non owner policy can actually come out cheaper than constantly having to purchase insurance every time from the rental company.

A non owner policy is not very expansive, and for your gay friendly non owner SR22 you will only be able to purchase liability insurance and no fault insurance if you live in a no fault state. This is why you need to be careful about the cars you drive and make sure they are already insured by the owner. If you get into a car accident, then their coverage will kick in first and yours will when theirs runs out.

Gay friendly non owner SR22 policies also cost a lot of money. They have higher rates because of the lack of a car to factor in when rating. There are still ways you can save through discounts, such as by combining your coverage with other insurance policies and taking a defensive driver class. Call your company to find out what else you’re able to do.