SR-22

• An SR-22 filing -- a document or electronic certification issued by an auto insurance company -- verifies to the state that you have an insurance policy that meets or exceeds the state's minimum liability limits. States may require an SR-22 certificate for drivers previously involved in an accident with no insurance or who have excessive driving violations. It satisfies the state of your financial responsibility in the event of an accident, and may allow a suspension on your driver's license to end. If you need an SR-22 Certificate of Financial Responsibility, your state's department of motor vehicles typically will notify you.
  
  

Full Coverage

• Full coverage SR-22 can include multiple elements, in addition to liability coverage. Medical payments coverage helps pay medical expenses -- no matter who's at fault -- you, your passengers and any family members driving or riding in the insured vehicle at the time of the accident. Underinsured/uninsured motorist coverage protects you from drivers with little or no insurance. It also helps cover injuries to you or your passenger, as well as repairs and expenses related to your damaged car. Collision coverage helps pay for vehicle repairs if you're involved in a covered loss, which varies by policy, while comprehensive coverage helps pay for damages not caused by a collision, such as from hail or vandalism.
  
  

Liability

• Liability coverage, required in all 50 states according to Allstate.com, pays only for the damage you do to others or to property in an accident. SR-22 liability insurance usually has a bodily injury portion and a property damage portion. The bodily injury portion covers hospital, medical bills, rehab, funeral expenses and other expenses, while the property damage portion will cover damage or repairs to other vehicles or city property. Check with your insurance agent for the needed level of coverage in your state.