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What does an SR-22 cover?


A

Question: I’m confused. What does my SR-22 insurance actually cover?  Will it cover me if I’m rear-ended and receive bodily injuries? 

Answer:  The SR-22 doesn’t cover you in any way; it's simply your car insurance company's guarantee to the state that you are carrying the legally required coverage.

The actual SR-22 is just a form that your car insurance provider files with the state, on your behalf, after you have been mandated (for whatever reason) to obtain this special certificate of financial responsibility. What is covered by your car insurance policy depends upon what coverages you have chosen to carry. 

If you have only liability coverages, which is what most states require to get an SR-22 filed, then you wouldn’t be covered for any injuries you sustain in an auto accident.  Liability coverages don’t cover you or your vehicle in any way, just the people or property that you harm in an auto accident. 

Bodily injury liability covers others that you have injured when you’re at-fault in a car accident and property damage liability covers others cars or property that you’re at fault for damaging.  Both coverages only cover up to the limits you’ve chosen for each.

If you live in a no-fault state, such as Florida, then as part of your basic car insurance policy you would also need to obtain personal injury protection (PIP), which does cover you if you’re injured in an auto accident. 

So, if you have been rear-ended and live in a tort state and carry only bodily injury liability and property liability coverages, you would be unable to claim on your policy for any injuries you received or the damages your car received. 

The good news is if you were not at fault for the incident, then you should be able to put claims for your car’s damages and your injuries through the other, at-fault, party’s liability coverages.  Their liability coverages should be responsible for the repair costs of the car they rear-ended and your medical bills, up to their policy limits.

If you live in a no-fault state, then your car’s damages should still be paid for by the at-fault party’s property damage coverage, but your injuries would be claimed through your own PIP coverages.

Understanding what coverages you have as part of your car insurance policy is important. If you’re uncertain as to what coverages you have, review your policy and speak to your insurance agent.  Then use our coverage definitions page and insurance term glossary to read more about coverages and how they protect you.

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