Non-Owner SR-22 After DUI With Injury: Higher Limit Requirements

Most states impose higher liability minimums when a DUI causes bodily injury. The standard state minimum—often 25/50/25—no longer applies. Instead, courts or DMV reinstatement offices require 50/100/50 or even 100/300/100 coverage before they'll accept your SR-22 filing. This is statutory enhancement, not carrier preference. Texas, California, Illinois, Ohio, and Florida all impose elevated minimums for injury-involved DUI convictions. The exact threshold varies: California courts typically require 100/300/100 for injury DUI; Texas reinstatement offices require 50/100/50; Illinois requires 100/300/100 when the conviction includes bodily harm. Most drivers learn this requirement during their first reinstatement hearing, not at conviction. Non-owner SR-22 can still satisfy the filing requirement. The policy must carry the elevated liability limits, but no collision or comprehensive coverage is required because you don't own a vehicle. Premiums increase roughly 40-60% compared to standard non-owner SR-22, but remain substantially lower than owner SR-22 at the same limits.

Non-owner SR-22 provides liability coverage when you drive a borrowed vehicle with the owner's permission. The policy pays claims you cause up to your limit—50/100/50, 100/300/100, or whatever threshold your state requires. It does not cover damage to the vehicle you're driving. It does not cover you when driving a vehicle you own, lease, or have regular access to. The elevated liability limits apply to every accident you cause, not just DUI-related incidents. If you borrow a friend's car and rear-end someone at a stoplight, your 100/300/100 non-owner policy pays the bodily injury claim up to $100,000 per person and $300,000 per accident. The property damage portion pays vehicle repair costs up to the third number—typically $50,000 or $100,000. Most non-owner policies written after injury-DUI convictions stack coverage. The vehicle owner's liability policy pays first, your non-owner policy pays second. This matters when the claim exceeds the owner's limits. If the owner carries only 25/50/25 and you cause a $75,000 injury, the owner's policy pays $25,000 and your non-owner policy pays the remaining $50,000.

California requires 100/300/100 for DUI convictions involving bodily injury. The DMV reinstatement office will reject SR-22 filings below that threshold. Texas requires 50/100/50 for injury-involved DUI convictions; standard DUI without injury requires only 30/60/25. Illinois requires 100/300/100 when the conviction includes bodily harm. Florida and Virginia substitute FR-44 filing for SR-22 after any DUI conviction. FR-44 requires doubled liability minimums: Florida's FR-44 floor is 100/300/50, Virginia's is 100/300/40. When the DUI involves injury, courts sometimes impose 250/500/100 as a reinstatement condition. Non-owner FR-44 policies at those limits cost roughly 2-3 times standard non-owner SR-22 in states without FR-44 requirements. Ohio reinstatement offices require 50/100/50 after injury-DUI convictions. The filing period is typically 5 years measured from conviction date. Georgia requires 100/300/100 for injury-involved DUI convictions; the filing period is 3 years. Pennsylvania requires 50/100/50 but extends the filing period to 3 years when the conviction includes bodily harm.

Non-owner SR-22 at 50/100/50 typically costs $50-$90 per month after an injury-DUI conviction. At 100/300/100, the same policy costs $75-$140 per month. The higher limit adds roughly $25-$50 monthly compared to standard non-owner SR-22 at state minimum liability. Carriers price injury-DUI convictions as high-risk events. Progressive, The General, and Bristol West all write non-owner SR-22 policies for injury-DUI filers, but premiums reflect the conviction severity. Most carriers apply a surcharge multiplier: 2.5× to 3.5× the base non-owner rate for the first two years after conviction, declining to 1.8× to 2.2× in years three through five. The elevated liability limit increases premium separately from the conviction surcharge. Moving from 25/50/25 to 100/300/100 adds roughly 30-40% to the base premium before the conviction surcharge applies. Combined, the two factors produce premiums 3-4 times higher than clean-record non-owner SR-22 at standard limits.

Non-owner SR-22 does not cover any vehicle you own, lease, or have regular access to. If you buy a car, receive one as a gift, or move in with someone whose vehicle you drive daily, you must convert to owner SR-22 immediately. The non-owner policy stops covering you the moment you have regular access to a specific vehicle. Most carriers allow mid-term conversion. You call the carrier, report the vehicle acquisition, and they rewrite the policy as owner SR-22. The elevated liability minimums transfer to the new policy. The carrier files updated SR-22 paperwork with the state, showing the policy now covers a specific vehicle. The filing period does not reset—you continue from where you left off. If you do not convert and continue driving the acquired vehicle under a non-owner policy, you're driving uninsured. The policy excludes coverage for vehicles you own or have regular access to. An accident triggers a claim denial, the carrier cancels your policy, the state re-suspends your license for driving uninsured, and your filing period resets from zero.

The carrier files Form SR-22 electronically with your state DMV or equivalent licensing agency. The form shows your policy number, coverage limits, effective date, and the carrier's commitment to notify the state if the policy lapses or cancels. Most states require 50/100/50 or 100/300/100 coverage after injury-DUI convictions; the SR-22 form must reflect those limits exactly. The state does not verify your liability limits at filing. The carrier certifies the limits on the SR-22 form, and the state accepts that certification. If you later reduce your limits below the required threshold, the carrier files SR-26 (cancellation notice) and the state re-suspends your license. Most reinstatement offices audit filings randomly; mismatched limits trigger immediate suspension. Filing fees vary by state. California charges $15 per SR-22 filing. Texas charges $25. Illinois charges $50. The carrier collects the fee at policy inception and remits it to the state. Some carriers charge an additional processing fee—typically $15-$35—separate from the state filing fee.

Your non-owner SR-22 policy pays claims up to your coverage limit. If the injury victim's medical bills, lost wages, and pain-and-suffering damages total $200,000 and your policy carries 100/300/100 limits, the policy pays $100,000 per person maximum. The victim can pursue the remaining $100,000 directly against you through civil judgment. Most injury-DUI cases settle within policy limits because plaintiffs' attorneys understand drivers with SR-22 filing requirements rarely have significant assets. If your policy carries 100/300/100 and the victim's damages approach $100,000, the carrier typically offers the full policy limit to close the claim. The victim can refuse and pursue excess damages, but that requires proving you have collectible assets beyond the insurance payout. Some states allow courts to impose higher liability minimums as a reinstatement condition when the injury claim is substantial. California courts have required 250/500/100 coverage for drivers whose DUI caused permanent disability. Non-owner policies at those limits cost $120-$200 per month from non-standard carriers.