{"id":945,"date":"2023-02-21T09:54:00","date_gmt":"2023-02-21T09:54:00","guid":{"rendered":"https:\/\/www.sr22adviser.com\/guidance-and-tips\/?p=945"},"modified":"2023-02-21T21:56:12","modified_gmt":"2023-02-21T21:56:12","slug":"answers-to-your-top-6-questions-about-sr-22-auto-insurance","status":"publish","type":"post","link":"https:\/\/www.sr22adviser.com\/guidance-and-tips\/sr-22-tips\/answers-to-your-top-6-questions-about-sr-22-auto-insurance\/","title":{"rendered":"Answers to Your Top 6 Questions About SR-22 Auto Insurance"},"content":{"rendered":"
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Have you received a no-nonsense letter from a local court or other government authority mandating that you get <\/span>an SR-22<\/span><\/a> before you can legally get behind the wheel of your car or any vehicle?<\/span>\u00a0<\/span><\/p>\n

You probably have so many questions that you don\u2019t even know where to start. Don\u2019t worry. We\u2019re going to answer all (or at least most) of your top questions, explain your next steps, and help you feel more comfortable about your requirement.<\/span>\u00a0<\/span><\/p>\n

Let\u2019s start with the most obvious question of all.<\/span><\/p>\n

1. What Is an SR-22?<\/h3>\n

This requirement is sometimes called \u201cSR-22 insurance\u201d or even \u201cDUI insurance,\u201d but that\u2019s not quite accurate. Rather than being an insurance product, <\/span>it\u2019s a legal document<\/span><\/a> sometimes known as a Certificate of Financial Responsibility.<\/span>\u00a0<\/span><\/p>\n

Putting it another way, it\u2019s proof that you have at least a minimal form of legally-required auto coverage.<\/span>\u00a0<\/span><\/p>\n

Every driver in almost every state in the nation must have at least minimal car insurance, so you might be wondering why you alone must have this document showing proof that you\u2019re insured for the road.<\/span>\u00a0<\/span><\/p>\n

It\u2019s not just you. Thousands of drivers all across the country drive have this requirement. It\u2019s because you have somehow been identified as a high-risk driver who might put other drivers or passengers at heightened risk of an accident. For that reason, your state is more interested in you showing proof of coverage than most other drivers.<\/span><\/p>\n

2. Why Do I Need to Have an SR-22?<\/h3>\n

Your state has made the determination that you\u2019re a higher-risk driver, and you\u2019ve been declared more likely to get into a collision or to drive without financial protection. One of the more common reasons states make this move is because of a <\/span>driving under the influence (DUI) conviction<\/span><\/a> or whatever the equivalent charge is in your state.<\/span>\u00a0<\/span><\/p>\n

Additionally, depending on where you live, you can also be required to go through this process for other serious moving violations. This can include causing a serious accident through high speeds or recklessness, or even driving without a license or while your license has been suspended and driving with no insurance.<\/span><\/p>\n

3. What Is Minimal Auto Coverage?<\/h3>\n

Liability coverage is the minimum and least expensive form of an auto policy in most states. In at-fault states, liability protects the financial interests of other drivers and passengers in the event of a collision for which you\u2019re at fault. In other words, your liability policy will cover property damage and medical costs of others involved in the collision, up to your coverage limits. In a no-fault state, your liability is there for your property damage, regardless of who caused the wreck.<\/span>\u00a0<\/span><\/p>\n

The downside in an at-fault state is that liability coverage won\u2019t pay for the damages to your own vehicle in such a collision. You can choose to carry coverages such as comprehensive and collision, which will help pay for damages to your own vehicle.<\/span>\u00a0<\/span><\/p>\n

High-risk drivers typically carry liability coverage because it\u2019s the least expensive form of protection. That\u2019s important because high-risk drivers pay a lot more for their policies, sometimes double and even triple the amount of drivers who are not labeled as a high risk to the insurer.<\/span>\u00a0<\/span><\/p>\n <\/div>\r\n <\/div>\r\n <\/div>\r\n<\/div>\n\n

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