Understanding the Difference
Many drivers assume SR22 insurance is a special type of car insurance policy, but that’s not exactly true. An SR22 is actually a certificate filed with the state that proves you carry the required liability insurance. Understanding the difference between SR22 and regular car insurance can help drivers know what to expect if they’re required to file one.
At Upstate’s Choice Insurance, we help drivers throughout South Carolina find affordable policies and handle SR22 filings quickly.
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https://www.upstateschoice.com/
What Is Regular Car Insurance?
Regular car insurance is the standard policy most drivers carry. It provides financial protection if you are involved in an accident and may include coverage such as:
- Liability coverage
- Collision coverage
- Comprehensive coverage
- Uninsured motorist coverage
- Medical payments coverage
These policies protect both drivers and their vehicles in the event of an accident.
What Is an SR22?
An SR22 certificate is a form filed by an insurance company with the DMV to confirm that a driver carries the minimum required liability insurance.
Drivers are usually required to obtain an SR22 after certain violations such as:
- DUI / DWI
- Driving without insurance
- License suspension
- Multiple traffic violations
The SR22 filing allows the state to monitor your insurance status. If the policy cancels, the insurance company must notify the state.
Key Differences Between SR22 and Regular Insurance
| Feature | Regular Car Insurance | SR22 Filing |
|---|---|---|
| Required for most drivers | Yes | No |
| Filed with the DMV | No | Yes |
| Needed after major violations | No | Yes |
| Proof of financial responsibility | Standard | State monitored |
Essentially, SR22 is an additional filing attached to a car insurance policy, not a separate type of coverage.
Get Help With SR22 Insurance
If you’ve been told you need an SR22 filing, the process can feel confusing. Our team at Upstate’s Choice Insurance can help you find a policy and submit the required filing quickly.
👉 Learn more or request a quote:
https://www.upstateschoice.com/