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Car Insurance Question  If you own more than one car how does a SR-22 work?

State laws may differ but in general you will need to show proof that all vehicles that you own are covered by the required insurance that the state mandated you to maintain.

For instance in South Dakota when your SD license is suspended due to being uninsured the return of your license will also depend upon you filing a SR-22 which will prove to the state that you have valid insurance on ALL vehicles in your possession.

South Dakota is very specific in what they require by also noting that if you have been convicted of a violation (DWI, No Insurance, Failure to Pay a Judgment, Vehicular Homicide or 2 (two) Reckless Driving in a year) you will be required to carry an SR-22. This coverage and filing will require you to prove to the state for three years, that all vehicles (car, pickup, van, motorcycle, etc.) you own are insured. If you do not own any vehicles, you must purchase a non-owner or operator policy.

In SD if you are holding a Class 2 (car/truck/motorcycle), A3, B3 or C3 driver license, you must maintain insurance coverage and an SR-22 filing for both types of vehicles, even if you do not own both. If you do not wish to retain an SR-22 filing for both vehicles, your driver license must be changed prior to cancellation of the SR-22 filing to avoid re-suspension of your driving privileges.

Other states may not require filings for all types of vehicles but you would need to check with your Department of Motor Vehicles. It is likely that if you own more than one car that all the cars you own or that are in your possession will need to be covered by insurance and the SR-22 filing will need to show this.

If you need information on how to do a SR22 filing for more than one vehicle or obtain the required auto insurance on all of your vehicles contact your agent or the agents at our call center which can be reached at 1-800-964-4859.

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This car insurance question was asked on 8/7/2007
This auto insurance answer was last updated on 11/3/2007
Betty C requested this car insurance solution.
Rated 0 out of 10 based on 0 votes.
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