Both non–owner SR22 insurance and standard SR22 insurance are designed for high risk drivers. Usually those who have had their license suspended or have been in a car accident that was deemed their fault. Whereas standard SR22 insurance is placed on the vehicle owned by the individual, the non-owner SR22 insurance is designed for drivers who do not own a car. For example, a named driver. The individual with non-owner SR22 insurance will have to pay for any damages made to the car they were driving out of their own pocket, as the insurance only pays out to cover the cost of the car in a multi-car accident.