Chicago SR-22

Q: A friend of mine borrowed my car and wrecked it and she says she has Chicago SR-22 insurance. Will it cover the damages?

A: The car insurance typically follows the car and not the driver, so the insurance that would kick in, regardless of the driver and whether they have Chicago SR-22 insurance or not, would be yours, since it’s your car.

However, if you exhaust your coverage–like if the damages are $15,000 and you don’t have that much coverage–then the Chicago SR-22 insurance coverage of your friend will kick in to cover the remainder. Your rates may still go up.

St Paul SR-22

Q: If I have to buy a St Paul SR-22 policy, will my insurance rates go up?

A: It’s most likely that your insurance rates will rise after buying a St Paul SR-22 policy, and probably by quite a bit. Most people’s do. However, it isn’t certain. There are some factors that might affect your rates.

If, for example, you are in the preferred category of drivers when you first get your St Paul SR-22 policy, then many companies will allow you to keep your rates along with your good driver discount. If you’ve been a long time customer, you might get similar treatment.

St Paul SR22

Q: I’m from St Paul, but I’m moving to Austin. Do I still need my St Paul SR22 insurance?

A: Even though you’re moving to a new state, and you’ll be getting a license in that new state so it would seem that you wouldn’t have to comply with any license restrictions from your old state, St Paul SR22 insurance is different. You need to continue meeting the requirements of your St Paul SR22 even while you live in Austin until the period of SR22 filing is up.