Most states require most drivers to have auto insurance to legally drive on public roads. This helps protects other drivers in the event of an accident. However, some drivers are legally required to purchase SR-22 auto insurance. If you would like to know more about SR-22 insurance, keep reading. 

What Is SR-22 Auto Insurance?

In most states, you need a minimum of liability auto insurance to legally drive. Liability insurance covers the costs of medical bills and property damage to the other driver if you cause a collision. Of course, you have the option to purchase more robust packages.

Collision insurance, for example, costs more, but it covers the costs to repair/replace your vehicle if you cause a collision. Similarly, comprehensive coverage protects your car in the event of non-collision damage like vandalism or fire. Other types of insurance include:

  • Uninsured/underinsured motorist coverage
  • Medical payments coverage
  • Gap coverage
  • Classic car insurance

SR-22 auto insurance, however, isn't a type of coverage or policy. Instead, it is a certificate that proves you have a minimum of liability insurance. If you have purchased a liability insurance policy, you may qualify for SR-22 insurance.

Who Needs SR-22 Auto Insurance?

For the most part, you only need SR-22 insurance if you've been ordered to purchase it by the court or state. For example, if you got pulled over and the officer determined you had no coverage, the courts may insist you have SR-22 insurance moving forward. This information is stored in your driving record where any officer can find it.

Where Do You Get SR-22 Auto Insurance?

Since SR-22 insurance is simply liability insurance, you can purchase it from many providers. Naturally, you want to find the provider with the best rates and coverage. If you decide to get additional coverage like comprehensive care, make sure to note what is and is not covered.

If you inform the insurance carrier that you are required to have SR-22 insurance, the provider should submit the certificate on your behalf to the DMV each month. However, ultimately, it is your responsibility to purchase and prove you have insurance.

Unlike liability insurance, SR-22 insurance may not actually be a type of policy, but it is required for many drivers to prove they have coverage. If you've been ordered to get SR-22 insurance, don't wait any longer. For more information on SR-22 insurance, contact an auto insurance carrier in your area today.