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Q

What does SR22a insurance cover if I was an accident? Is SR22a insurance the same as liability coverage? If your vehicle was involved in an accident will it cover damages like full coverage would?


A

It will depend upon the actual car insurance coverages you have associated with the car insurance policy your SR-22a filing is connected to whether your car would be covered in an accident or if you only have Liability coverages. The SR-22a is a form, not full coverage.

The SR-22a is similar to a SR-22 certificate of financial responsibility. The SR-22a normally has more restrictions to it then a SR-22 does.

A SR22a is a form that your car insurance company must file for you with the state that shows you have at least the required state Liability coverages, but you can also include full coverage on this policy if you choose to add Collision and Comprehensive to it. Only Liability though is required by the state as part of a policy attached to the SR-22a filing.

If you purchase only the minimum required coverages to go with your SR-22a then you would only have Liability coverage and that covers property damages and bodily injuries only to those you would harm in an accident. To cover your own vehicle when it is in an accident you would need Collision coverage as part of your auto insurance policy.

The certification of Liability insurance known as the SR-22a is only used in a few states; currently they are Georgia, Texas and Missouri. In Georgia and Texas the SR-22a is a typically required of those who are repeat violators of financial responsibility laws. These two states require that policies with a SR22a attached to them have each 6 month policy term paid in full; you cannot make payments on it.

What coverages beyond the state mandated Liability coverages you buy as part of your car insurance policy is up to you. If you only bought a policy that complies with the SR-22a filing requirements it would be Liability only and not cover your car in any way. If you purchased the optional coverages of Collision and Comprehensive then your car would have "full coverage" and be covered for its damages sustained in a car accident.

If your agent is not able to explain to you about a SR-22a or fulfill your car insurance needs, contact a CarInsurance.com agent and they can explain not only insurance terms and explain claim procedures but also tell you how they can get you affordable auto insurance.


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