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I don't have a driver's license and I was wondering would a SR22 give me the ability to drive?

Not specifically, no. An SR-22 is a document required as proof of financial responsibility by the court or under state law for persons convicted of certain traffic violations. It does not give you the right to drive, however it may allow you to get your licensed reinstated. If your driver's license has been suspended due to certain infractions of the law than your state may require you to obtain and carry a SR-22 in order to get your license back.

The car insurance associated with the SR-22 s 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 plain old insurance policies that an average auto owner buys.

In some states the SR22 is more than just a normal insurance policy of only minimum insurance coverages. For instance in Florida the SR-22 includes Bodily Injury Liability insurance in addition to the PIP and Property Damage coverages which are the state minimum required insurance types.

The SR22 form must be filed by an insurance company to the state saying that the required insurance is in effect. This specific insurance is typically mandated for a certain period of time and if the person cancels the policy the state is notified and penalties are placed on the person, likely a license suspension.

So a SR-22 filing of financial responsibility does not give you the right or ability to drive but it could be part of the process to get your driver's license back if it has been suspended or revoked. You should contact your state's Department of Motor Vehicles to find out about how you can obtain or reinstate a driver's license in your particular situation.

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Question Details
This car insurance question was asked on 10/16/2008
This auto insurance answer was last updated on 10/24/2008
Sharlet B requested this car insurance solution.
Rated 0 out of 10 based on 0 votes.
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