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Understanding SR-22 Auto Insurance Coverage
SR-22 Auto Coverages Explained
SR-22 is not actually an insurance policy but rather a certificate of financial responsibility that proves you have the required amount of liability coverage mandated by your state. It’s often required for individuals who have been involved in serious traffic violations, such as DUI/DWI, driving without insurance, or multiple at-fault accidents.
Different Types of Coverage
1. Why Do You Need SR-22 Insurance
2. Liability Coverage
3. Non-Owner SR-22
4. Full Coverage
5. High-Risk SR-22
Why Do You Need SR-22 Insurance
The need for SR-22 typically arises when you’ve had your driver’s license suspended or revoked due to certain violations. It serves as proof to the state that you have adequate insurance coverage, allowing you to regain your driving privileges.
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Liability Coverage
Liability coverage is the minimum requirement for SR-22 filings. It helps cover the costs associated with injuries or property damage you may cause in an accident. State-specific minimums vary, so it’s crucial to meet or exceed these requirements.
Non-Owner SR-22
Non-Owner SR-22 insurance is designed for individuals who do not own a vehicle but still need to meet SR-22 requirements. This policy provides liability coverage when driving a borrowed or rented car. It ensures that the driver has the necessary financial responsibility in the event of an accident, even if they don’t own a vehicle themselves.
Full Coverage
Full coverage is a comprehensive auto insurance policy that includes both liability and physical damage coverage. In addition to covering damages to others, it protects your own vehicle against theft, vandalism, or accidents. Full coverage typically includes collision and comprehensive coverage, providing a higher level of financial protection for the policyholder.
High-Risk SR-22
High-risk SR-22 insurance is tailored for individuals considered high-risk by insurance companies due to factors like a history of DUI/DWI, multiple traffic violations, or lapses in coverage. This specialized SR-22 policy provides the necessary liability coverage mandated by the state, allowing high-risk drivers to meet legal requirements and reinstate their driving privileges. Premiums for high-risk SR-22 coverage are often higher due to the increased risk associated with the driver’s history.
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