Do I Need SR22 Auto Insurance if I Have Full Coverage Now

Reader’s Question:

I have a full coverage when I received DWI? Do I still need an sr-22?

Melanie

Good question Melanie.

This case may vary from state to state. Generally though, you need an sr-22 if you did not pass or comply to your states financial responsibility at the time that you were cited for DWI. Most people would use the term “full coverage” to refer to the physical damage coverage.Physical coverage actually consists of collision and comprehensive coverage. The collision coverage generally covers the damage to the vehicle cause by collision in an accident. Comprehensive coverage on the other hand covers any damages to your car caused by vandalism, glass breakage and even theft. The state would require you to have the minimum liability coverage of certain bodily injury and property damage liability at the time of your DWI.

So if you need a “hardship” license to go to work for instance, you will definitely need an sr-22. This may be available in the current insurance company that you have.

Goodluck!

MariCAR