Do all drivers need the same level of coverage for an SR-Filing policy?
At its core, a SR-22 filing is an insurance policy or form. It is required for drivers with a suspended license or who have had multiple violations of the law, in order to prove that they have the proper level of financial responsibility in case of an accident. Most commonly, it is requested by the local Department of Motor Vehicles and must be filed by your auto insurance provider. While this type of policy is necessary for many drivers, not all drivers need the same level of coverage when filing an SR-22.
The main factor that determines how much coverage you need for a SR-22 filing is your driving record. If you’ve had accidents or other citations on your record, you may be required to purchase a higher level of coverage than someone who does not have any issues on their record. This means that if you’re looking to get back on the road after having your license suspended or revoked, you may need to purchase more coverage than someone who has never been in trouble before. Additionally, some states may require more coverage based on their particular requirements so it’s important to check with your local DMV to see what specific requirements are needed in order to file an SR-22.
There are two main types of coverage involved in an SR-22 filing: liability and property damage liability (PDL). Liability coverage covers damages that your vehicle causes to another person’s property, while PDL helps pay for repairs if something happens to your vehicle as a result of an accident caused by another driver. Generally speaking, liability and PDL are both mandatory parts of any SR-22 filing, but the exact levels can vary from state to state and according to individual circumstances.
In addition to these two standard forms of coverage for an SR-22 filing, there are also additional types involving uninsured/underinsured motorist (UM/UIM) protection and personal injury protection (PIP). An uninsured motorist protects you from financial losses incurred from being hit by someone without valid insurance, while an underinsured motorist helps cover costs associated with being hit by someone whose insurance limits are too low compared to the amount needed for repairs or medical bills related to the incident. PIP provides compensation for medical costs related directly related injuries sustained during a car crash, regardless of fault. Once again, different states may have different rules regarding these additional forms so it’s important to check with your local DMV prior to filing an SR-22 form in order make sure you’re meeting all requirements set forth by law.
Overall, while all drivers must file some form of an SR-22 form in order to regain their license after suspension or revocation due to violations such as DUIs or reckless driving charges, not all drivers will require the same level of coverage when doing so. Your particular driving history and circumstance will determine exactly how much coverage is necessary when obtaining this type if the insurance policy, and it’s important that you understand what those requirements are prior so that you can properly meet them when applying for a policy.