Yes. If you don’t own a car but have an available vehicle owned by another person of which you are permitted to use; you can apply for non-owner insurance. It is actually quite cheaper in contrast to other SR-22 insurance forms.
BIL is the coverage for serious and permanent injuries caused by a car crash. Death and permanent disabilities are concrete examples of BIL.
PDL is the coverage paid for damages the driver caused to other people’s property during the car crash.