What is An SR22 – Auto Insurance For Who?
Reader’s Question:
Does an SR22 cover the owner of the car in terms of liability insurance? What exactly is an SR22 anyway?
Jim
Thank you for asking Jim.
An SR22 is a form which must be filed with the Department of Motor Vehicles by the insurance provider showing that car liability insurance is active for a certain individual. SR22 guidelines varies from different state and the requirements in one state may be different or will not be applicable in another state. An SR22 is not intended to be used by a vehicle owner to get liability coverage, other than that which is required on the car.
So what is an SR22
The SR22 is not a type of insurance (although many people call it SR22 insurance), rather it is proof that you or someone has certain types of insurance that is based upon the financial responsibility laws of your state.
SR22 car insurance itself is not necessarily anything special in the way that the insurance policy covers the car. The filing of the form for this insurance policy however is required or mandated to by the court or DMV, and what sets it apart from regular insurance policies.
It depends upon your state’s SR22 requirements on what insurance will be mandated this way.It will be normally at least the state required liability coverages. If this is the case then the vehicle owner will be covered in the same way which regular liability coverages cover them.
Goodluck!
MariCAR
Kinda hate to put this video here, but have to admit it made me laugh.
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