What is the Difference Between SR22 and Automobile Liability?
If a driver is caught driving without insurance they will be required to file an SR-22. The majority of states will require an SR-22 to be in place for three consecutive years.
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Difference Between a SR-22 and Liability Insurance
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SR-22 is not a type of insurance. An SR-22 is a form the insurance company must file with the state that shows proof of financial responsibility in regard to the state minimum insurance laws.
Definition of an SR-22
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The majority of states have requirements regarding the minimum amount of insurance drivers must carry. If a driver is caught driving without insurance, their license will be suspended until they get insurance. When they do, the insurance company must file an SR-22 form with the state showing the driver is now in compliance with insurance laws.
Liability Insurance
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Liability insurance provides coverage for the medical bills of any person you may hurt as the result of an accident that is deemed your fault. It also provides coverage for property damage should you run into a building, house or other property. Liability does not cover any of the damage to your vehicle or your medical bills.
Revoking an SR-22
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There are only two states that do not currently have insurance requirements. It is important to understand the requirements of your state. Filing an SR-22 can be costly. If a driver lets their insurance lapse the insurance company must revoke the SR-22 and notify the state. If this happens, normally the state will suspend the license.
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