SR22 suspension

Reader question:

I have an SR22 suspension. Do I have to get uninsured/underinsured motorist coverage?

Alice

Thanks for asking, Alice.

I’m not sure, on the legal end, because I don’t know what state you are from. You should check with your insurance provider to see if underinsured/uninsured motorist coverage is required where you live, because in a few states it is.

From a practical standpoint, though, uninsured/underinsured motorist coverage is an excellent addiion to your SR22 suspension policy. In many states there is a large number of people who are driving without insurance for whatever reason, and so if you get into an accident with one of them and it’s their fault, how are you going to cover your injuries or your repairs for your car? Since they don’t have an insurance company, the only thing you would be able to do is sue.

This is where underinsured/uninsured motorist coverage comes in. You don’t have to panic and can get your injuries mended and car fixed right away instead of suffering through a legislative process. In many cases, your insurance company still ends up suing the other driver for the money they spent on you, but by this time you’re long out of the problem.

Cheers,

Fashun Guadarrama.