SR 22 Insurance
Filed under: Sr-22 insurance, Sr22 Form, What is an SR22
Reader’s Question:
My friend got cited for beating a red light while driving her boyfriend’s car. The police later found out that the car is not insured. The police told her that she may have to pay some fine and be asked to get SR22 insurance. What is this insurance? Isn’t her boyfriend supposed to get this insurance because it’s his car, anyway?
Kathleen
Miami, FL
SR22 insurance is required for those who fail to show proof of insurance at the time that is needed. However, by itself, it does not act as an insurance policy. The SR22 only gives an assurance that the person who owns it holds financial responsibility for a certain period of time. This period is determined by the court and often depends on the violation that the person has committed.
In your friend’s case, it is possible that her boyfriend will be asked to be the one to get the SR22 insurance. Being the owner of the car, it is his responsibility to make sure that the car and its passengers and drivers are covered in case an accident happens. If he can’t provide this coverage, then he might as well stop using his car. However, your friend also has her own share of responsibility. For one, she’s not supposed to drive an uninsured car. Second, she should have been more careful while driving. Beating a red light is a serious offense because it could lead to a more serious damage especially if another car is involved. The court should be able to determine who should be held responsible for the citation. But I suggest you tell your friends to get insured now to make sure they don’t get cited for the same violation in the future.