SR-22 is a form which must be filed with the state (Department of Motor Vehicles) by the insurance company stating that auto liability insurance is in effect for a particular individual. SR-22s are state specific and the requirements in one state may not apply in another state. An SR-22 is not intended to be used by a car owner to get liability coverage, other than that which is required on the vehicle.

Thus the SR-22 itself is not a type of insurance, but rather proof that you or someone has certain types of insurance (based upon the financial responsibility laws of your state).

SR-22 car insurance itself is not necessarily anything special in the way that the policy covers the vehicle. Instead the filing of the certificate for this insurance policy, because of it being required or mandated to by the court or DMV, is what can set it apart from regular insurance policies that an average auto owner buys.

In some states the SR22 is more than just a normal insurance. For instance in Florida the SR-22 includes bodily injury liability insurance in addition to the PIP and PD coverages which are the state minimum required insurance types.

So it will depend upon your state's SR-22 requirements as to what insurance will be required this way. Normally it will be at least the state required liability coverages. If this is the case then the car owner will be covered in the same way which normal liability coverages cover them.