SR-22 car insurance itself does not provide coverage for damages or injuries. It is a form of insurance that verifies your financial responsibility and is required for drivers with certain violations. The coverage for damages and injuries typically depends on the underlying insurance policy that accompanies the SR-22 filing.
What are the coverages offered by SR-22 insurance?
Most often, SR-22 car insurance involves liability insurance coverage. This coverage helps protect you financially if you cause an accident that results in damages or injuries to others. Liability coverage is typically split into two categories:
- Bodily injury liability – This coverage pays for medical expenses, rehabilitation, and legal fees if you injure someone in an accident.
- Property damage liability – This coverage helps cover the costs of repairing or replacing someone else’s property, such as their vehicle or other damaged property.
In addition to liability coverage, you may also have the option to include comprehensive and collision coverage in your SR-22 car insurance policy. These coverages protect your vehicle from damages caused by other factors such as theft, vandalism, natural disasters, or collisions with objects or other vehicles, subject to the policy terms and deductible.
It’s important to note that the specific coverage limits and details of your liability insurance can vary depending on the policy you choose and the requirements of your state.
To fully understand the extent of your coverage and the protection it provides, it’s recommended to review your insurance policy documents and discuss any questions with your insurance provider.
Remember, SR-22 car insurance is primarily focused on meeting the state’s requirements for demonstrating financial responsibility. The coverage for damages and injuries is provided by the underlying insurance policy accompanying the SR-22 filing.