SR-22 is a type of certificate that is required by some states for those who want to drive, but who have had numerous moving violations. The court can order an individual to obtain this type of certificate if and when it is determined that individual may pose a higher risk to the public.
An SR-22 requirement is not actually insurance, but rather a certificate that comes from your insurance agency and tells the courts you have auto liability insurance in place. What does this mean to you?
Your Requirement to Maintain Liability Coverage
The key reason to have SR-22 in place is to protect other drivers on the road with you. The requirement is that you maintain car insurance at least at the state's minimum level. This level differs from one state to the next.
However, it nearly always has to do with simply liability insurance. If you are involved in an accident that you are found to be responsible for, and that leads to damage or loss to another person, liability insurance helps cover those costs up to the limit of the policy.
What about Comprehensive Coverage?
SR-22 insurance does not often require comprehensive car insurance to be in place. Comprehensive coverage, along with medical payments and collision coverage, protects you, the driver. It helps to minimize the costs related to damage to your own vehicle.
SR-22 requirements do not focus on your belongings, but rather the property and personal safety of others.
However, if you own a vehicle with a loan on it or you are leasing a vehicle, your lien holder (such as your lender) may still require you to maintain comprehensive auto insurance. Not having it could put you at risk of having your vehicle repossessed.
When it comes to meeting the requirements of SR-22 insurance, be sure that you talk to the courts at length as well as with your auto insurance provider. Find out what your specific requirements are and, if you do not understand them, ask questions. Most of the time, this type of car insurance requirement is straightforward and, though more costly, it can be easy to obtain from the right insurer. Be sure you understand the requirements before you move forward.
Get the right coverage today. Call Peachstate Insurance at (877) 997-2478 for more information on SR-22 auto insurance Newnan GA.