Non-Owners SR-22 coverage is essentially insurance for your driver’s license and allows you to get your license reinstated by the State. If you've recently been pulled over by the police and then realized that the vehicle you're driving did not have insurance, the officer will probably have issued you a ticket for driving without insurance. Although the vehicle wasn’t yours, you will likely have to appear in court, in which case a judge will probably tell you that you’ll be required to have a Non-Owner SR-22 insurance policy.