SR-22 Auto Insurance Missouri MO
Reader’s Question:
I have an SR-22. If I drive a friend’s car that has no auto insurance coverage and someone hits the car while I’m driving here in Missouri, will my SR-22 cover the accident?
Anthony
St. Louis, MO
Anthony, if you have SR-22, you may want to make sure that the car you’re driving has auto insurance coverage. Driving an uninsured car can still get you in trouble. Besides, it is illegal in Missouri, or anywhere else, for that matter, to drive around without auto insurance coverage. But if you get hit by a car while driving a car with no auto insurance coverage, the other guy’s insurance would have to cover the damage. Since the other driver is at fault, his or her insurance should kick in.
But if the accident was your fault and the car you were driving does not have auto insurance coverage, your SR-22 insurance will kick in. Ideally, your SR-22 would be secondary to the insurance of the car. If the damage is worth more than the amount stated in the insurance of the car you were driving, your auto insurance would then pay the remaining the amount or liability.
An SR-22 is basically a certificate saying that you have liability insurance. Liability insurance will not cover the damages to the car you are driving. Your SR-22 will cover the damages to the other party. If your car had liability insurance, that would come in first. After that, if the amount to be paid is bigger than the limit of the car’s auto insurance, your liability insurance will fill in the remaining balance.
Tags: auto insurance coverage, driving without insurance, liability insurance, sr22 car insurance