Reader’s Question:

Can you tell me the difference between an SR22 and the regular car insurance? I thought an SR22 was a type of penalty for offenses? Is this right?

Julia

Tulsa, OK

An SR-22 car insurance itself is not necessarily anything special in the way that an insurance policy covers the car. The filing of the certificate for this car insurance policy is being required or mandated to by the court or Department of Motor Vehicle is what can set it apart from plain old car insurance policies that an average car owner buys.

In most states an SR22 is more than just a normal car insurance. For instance in Oklahoma the SR-22 includes bodily injury liability insurance of $25,000 for injury or death of one person up $50,000 per accident and $25,000 for property damage per accident.

Yes, normally an SR-22 is required of a person when he or she has been in an accident or convicted of a moving violation and was unable to show the proper financial responsibility.