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.
