Yes, your son should be able to get auto insurance coverages above the SR-22 minimum limits the state is requiring him to carry on his vehicle.
The SR22 limits are just the minimum he must obtain and maintain to comply with the state's mandate for proof of insurance with this financial responsibility filing. He can raise the liability limits and add "full coverage" meaning physical damage coverages of collision and comprehensive to his policy. The state wants to make sure that he has proof of insurance for at least the minimum coverages they are mandating him to carry but the state would not discourage a person from getting more car insurance coverages that would protect both the policyholder and those that he drives his vehicle around.
Your son should talk to his insurance agent about carrying the required insurance for the SR-22 plus the physical damages coverages that he wants to carry on his vehicle. He should be able to obtain both types of coverages.
If your son is unable to get both types of coverages with his current insurance provider, follow this link so that he can get a car insurance quote that will fulfill his needs.
|