What Does SR-22 Insurance Cover?

November 11, 2020

Posted by Joey Hernandez

In most cases, no one becomes familiar with an SR-22 until they need to. Going through the process of filling out an SR-22 can be a new and confusing process for many, which is why having the right information will make submitting an SR-22 all the more comprehensive. It’s common to assume that an SR-22 is just another type of insurance, but this is not the case. An SR-22 is not an insurance policy, but rather an additional piece of documentation to attach on to your current insurance policy. It certifies that you meet the minimum state requirements for liability insurance following a serious traffic offense, or multiple offenses, in a short period of time. In other words, an SR-22 is not an insurance policy, but a form that you are legally required to have in addition to your normal car insurance for a period of time. 

What’s Covered 

An SR-22 is considered a “financial responsibility” insurance, since it covers the carrier’s liability to other people who may be affected by an accident caused by the driver. However, an SR-22 is not meant to cover damage caused to property, or to property belonging to the SR-22 carrier. 

Can I Buy a Car With an SR-22? 

Car lenders care about who they give cars to, and they want to make sure that whoever is buying a car from them will make consistent, on-time payments. Therefore, most lenders will require anyone who wishes to finance their vehicle to carry adequate car insurance that fully protects the value of their vehicle. The lender will normally provide to you the coverage requirements under their loan terms. The lender will not be concerned, 

How to Obtain An SR-22 Insurance Policy

Getting an SR-22 form can be stressful, but with Joey Hernandez Insurance Solutions, it doesn’t have to be! You can get instant SR-22 filing and get your license reinstated the same day you contact us. Give us a call today at (866) 772-1114.

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