Reader’s Question:

I only have liability insurance on my vehicle in Frederick, MD. My son was driving it today and the engine got caught on fire and the vehicle was totaled more or less. He has an SR22 on file, and he told me that his SR22 insures him for any individual’s vehicle he may be driving at the time of an accident. Is it true? Will his SR22 insurance cover damages to my vehicle because he was the driver?

Michelle

Frederick, MD

The SR22 insurance policy gives liability coverage only. The SR22 would not cover any physical damage to your car. Moreover, since he was driving your vehicle, your car insurance policy would be primary and that too provides only liability coverage.

The SR22 insurance policy that he has provides additional liability coverage for him while driving any non-owned car and also satisfies the state’s financial responsibility requirements.

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Tags: auto insurance, sr22 insurance