SR-22 teen insurance
Reader’s Question:
If Im required to carry an sr22 and my parents have full coverage, do I still need this. Im only 18.
Remy
Thank you for asking Remy.
A Sr-22 is actually not a type of insurance. It is a proof that you have a certain type of insurance. It is an insurance certificate that an insurance carriers files with the state which is normally the Department of Motor Vehicles, that states that the individual is meeting their current requirement for car liability insurance. Normally, this form also certifies that a motorist has the ability to pay future claims up to the required limit of the state.
It looks like that the state in which you are a resident in is requiring you to acquire a SR-22 due to a moving violation, accident or failure to provide proof of insurance previously. The reasons for the states to require a SR-22 to be carry vary.
Even though your parents have full coverage, which typically means state minimum required liability plus comprehensive and collision coverage, if the state requires you to obtain the SR-22 to reinstate your license or for another reason, you will need to do so for you to be able to have driving privileges.
Goodluck!
MariCAR
