SR22 insurance is a policy that has been designed and offered by Progressive to provide the uninsured motorist coverage that is required when a person does not own a vehicle and is involved in an accident. This type of coverage is required if the driver is underinsured or uninsured. What this means to the individual is that if they are ever involved in an accident, they will be able to receive their medical bills and the damages that they have suffered without the help of any insurance company.

 

The SR22 form was created for those who do not own a vehicle and drive to work each day. The reason that this particular policy was designed is that the average citizen does not have enough money in their savings account or their automobile trust fund to cover the costs of their medical bills in the case of an accident. The SR22 form provides all of the coverage that the individual needs to have to avoid having to go bankrupt due to the expenses associated with receiving medical treatment from a hospital. In addition to this form, many other policies are offered by Progressive as part of their coverage options. All of these options are designed to provide the individual with the protection that they need while driving on the state's roads and highways.

 

Some of the coverage options that are provided by Progressive include Bodily Injury/Wreck-lessness, Fire and Theft, Guaranteed Asset Protection, Medical Payments, Personal Injury Protection, and Roadside Assistance. With this information in mind, an individual can determine whether or not they meet the requirements to obtain the SR22 insurance. If they meet the minimum amount of financial responsibility that is required to be eligible for this type of insurance, they may qualify for SR22 insurance. Once the individual meets the financial responsibility requirement, the insurer will then be responsible for paying all of the costs associated with any accidents that are caused by them.

 

If the individual does not meet the minimum amount of financial responsibility that is required to be eligible for this type of insurance, they may find that they are unable to purchase SR22 insurance. This includes situations in which they have a suspended license or are under the influence of alcohol. When an individual is involved in a vehicular accident, the policy of the vehicle will be canceled, and the driver will be required to acquire SR22 insurance before they can regain possession of their vehicle.

 

When an individual is involved in an accident that they can prevent, they can file a claim with their insurance provider. However, if there is still damage to be repaired, they will need to file a claim with their local police department or with the Department of Motor Vehicles. When filing a claim, the individual will be required to provide proof of the insurance provider's responsibility to them through the SR22 certificate. The individual will also be required to provide documentation that they were not involved in a vehicular accident that caused them to be issued a suspension or a citation. In most cases, the suspension or citation will be served to the driver's place of employment.

 

If an individual chooses not to take advantage of their rights regarding a suspension or ticket and wishes to continue driving, they may need to work with their insurance company. Many times, drivers that are involved in an accident with an uninsured driver will be eligible for SR22 insurance. If an individual has uninsured motorist coverage, they should check with their provider to see if they offer this type of coverage. In many cases, these policies will include an investigation of the fault of the driver of the other vehicle involved in the accident.  read the following article to get more informed about the topic: https://en.wikipedia.org/wiki/SR-22_(insurance)