Does SR22 Insurance Cover Car Damage due to an Accident?
Reader’s Question:
I was driving my sister’s car that has no insurance and someone hit the car that I was driving, will my SR22 cover the damage?
Jim
Chicago, IL
I would suggest you verify that any car you drive is insured. Your sister’s car is required to insure it. Your SR22 policy would be secondary to that car insurance. You may still get in trouble for driving that car if there is no car insurance on it.
If you borrow a car from a your sister and got involved in an accident in that car, your sister’s car insurance would kick in first. However if, for instance, the accident was your fault and the damage to the other driver’s property exceeded the liability limits on your sister’s car insurance policy, your SR22 insurance policy would cover the excess (up to policy limits).
Loading ...