Does SR22 Car Inusrance Give You The Same Coverage As Regular Car Insurance?

You may be required to get an SR22 car insurance policy to get your license back, but that doesn't mean SR22 insurance doesn't do anything for you. It's important to make sure that your insurance policy protects you no matter what kind of car insurance you have.

What is SR22 Car Insurance?

SR22 car insurance is a special type of insurance coverage for higher-risk drivers. The most common reason for needing SR22 insurance is having a DUI conviction. Reckless driving charges can also require an SR22 policy.

SR22 replaces your standard auto insurance coverage. It provides additional legal guarantees, and you also likely won't be able to qualify for standard auto insurance for several years.

What Does SR22 Car Insurance Cover?

Like regular auto insurance, SR22 car insurance covers property damage costs and injuries resulting from accidents. SR22 car insurance policies provide higher limits of protection than standard auto insurance policies because the law requires it.

Most auto accidents cost more than the standard legal policy minimums. Since SR22 policies are for higher-risk drivers, there's an even greater chance that they could injure someone in an accident. Therefore, the law requires SR22 policies to have higher minimum limits than normal to help protect other drivers.

How Does Filing a Claim Work With SR22 Insurance?

If you're involved in an accident while using SR22 insurance, filing a claim with your insurer will be much like filing one with any other insurance company. If you file a claim with your SR22 provider, they'll pay out on your behalf, assuming that the claim is covered by your policy.

Like any accident, insurance adjusters will review the accident to determine which driver caused the accident and is responsible for paying. Your SR22 liability or collision coverage will protect you in the same way as a standard policy.

Does SR22 Insurance Cover You if You Get Another DUI?

Your liability insurance will pay the other driver if you get another DUI and cause an accident. That's why the law requires you to have this insurance.

Your insurance may not cover your own property damage or injuries. Many insurance policies have exclusions that limit paying you if you were doing something illegal at the time of the crash. An SR22 policy is no different and may not cover you if you were driving drunk.

To learn more about SR22 policies, contact an insurance company like Bill Blake Auto Insurance.