The definition of an SR-22 from our Car Insurance Learning Center states that an SR-22 is a form which must be filed by the insurance company stating that auto liability insurance is in effect for a particular individual. An Sr-22 is normally required when insurance is provided to an individual who was in an accident or was convicted of a traffic offense and was unable to show financial responsibility. Each state has different variations of this form and requirements.

Since the SR-22 is a certificate or form that an insurance company files with the state saying that you have the required liability insurance that some state agency is mandating you to have then yes, you should be able to drive your vehicle when you have an SR-22 on it. If you want more insurance that what the state is requiring for the SR-22 then you may purchase optional insurance such as collision and comprehensive for your vehicle as well.

If you for some reason had a non-owner SR-22 then you car would not be covered since with a non-owners you would have told the insurance company that you did not have ownership of a car nor anyone else in your household had a vehicle in which to place your SR-22 on.

SR-22 is not a type of insurance, but rather proof that you have certain types of insurance (based upon the financial responsibility laws of your state), if you have more questions regarding your auto insurance policy that you have speak with your insurance agent and/or read over the terms of your policy.

You can obtain a free quote for an SR-22 policy here.