This type of policy provides liability coverage only. It would not cover any physical damage to your vehicle. Furthermore, since she was driving your car, your insurance policy would be primary and that too provides only liability coverage.

The SR22 policy that she has provides additional liability coverage for her while driving any non-owned vehicle and also satisfies the state's financial responsibility requirements.

We can provide you with an auto insurance quote for your new vehicle including physical damage coverage. Just put in your zip code and follow the pages. There will be no need to leave your home or office to purchase the insurance.