A person with sr22 insurance wrecked my car. Will sr22 cover the damages to my vehicle?

A person with sr22 insurance wrecked my car. Will sr22 cover the damages to my vehicle?

I was unaware the person I let drive my vehicle only had sr22 (Texas) insurance. He totaled my car while I was a passenger in it. My insurance is very unlikely to cover the damages since he is not on our policy, but would his sr22 cover the damages? I am very worried &- any and all feedback would be greatly appreciated. Thank you

lucy

SR 22 is not insurance, but only a form added to an auto policy. In other words, for whatever reason, this person either had a lapsed policy, tickets, DUI, accident and no insurance etc, so they had to get an SR 22 endorsement added to a policy. With an SR 22, (IF), they fail to pay for their insurance and it lapses, the insurance company MUST notify the DMV, which then can suspend their license until they reinstate their policy. Normally, when you lapse a policy, the insurance company does not notify the DMV, so no one knows that this person is driving uninsured.But, I just re-read your question and realized that this was YOUR car, vs another car that hit your car. Insurance "follows" the car, not the driver. So all auto policies are primary on any car you own, and only (IF) your insurance company denies, then the driver becomes secondary on HIS auto policy.Does this person live with you? I am guessing he does not, since you state unaware of his SR22. If someone not living with you, then most likely your auto policy will cover, since you gave permission to drive (you was a passenger). So (IF), you have collision coverage, they should pay for your car damages and/or the value if totaled.good luckSource(s):former auto claim adjuster

Big

YES!! your in luck! the beauty and purpose the of sr 22 is to legally force that driver to pay for the sr22 and it covers any vehicle he or she is driving. the sr22 meets the minimum standard for legally driving in the state of texas.... he or she is covered no matter whose vehicle they are driving.....your fine.... good luck!Source(s):i had an sr22 at one time

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