SR-22 and Personal Injury Protection (PIP) Coverage: What to Know

Are you worried about SR-22 and personal injury protection (PIP) coverage quotes? SR-22 car insurance costs are more expensive than standard car insurance rates, but how does it affect personal injury protection?

This guide explains everything you need to know about SR-22 and personal injury protection (PIP) coverage rates, how SR-22 and personal injury protection are related, and how this kind of coverage works.

After you learn more about SR-22 and personal injury protection insurance, enter your ZIP code into the comparison tool above to compare multiple companies near you for free.

SR-22 and Personal Injury Protection (PIP) Coverage: What to Know

SR-22 insurance isn’t car insurance – it’s a certification that says you have the minimum car insurance requirements as a high-risk driver.

Personal injury protection (PIP) is auto insurance coverage that covers your personal injuries regardless of who’s at fault in an accident.

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In some cases, PIP is attached to liability auto insurance. That’s because some states have PIP as part of the minimum auto insurance requirements.

Here is a list of states that require PIP:

• Arkansas
• Delaware (Does not require an SR-22 form)
• Florida
• Hawaii
• Kansas
• Kentucky (Does not require an SR-22 form)
• Maryland
• Massachusetts
• Michigan
• Minnesota (Does not require an SR-22 form)
• New Jersey
• New York (Does not require an SR-22 form)
• North Dakota
• Oregon
• Pennsylvania
• Texas
• Utah

Read more:

• Delaware SR-22 Insurance
• Hawaii SR-22 Insurance
• Kansas SR-22 Insurance (Rates, Companies, + More)
• Maryland SR-22 Insurance
• Oregon SR-22 Insurance

Four states from the list don’t require an SR-22 form for high-risk drivers. New Mexico, North Carolina, Oklahoma, and Pennsylvania are the other four states where high-risk drivers don’t need SR-22.

All other states have mandatory laws that say high-risk drivers need PIP and SR-22.

When is SR-22 auto insurance required?

A driver is considered high-risk when they have too many traffic violations, accidents, or a DUI conviction. The law’s response to high-risk drivers and their infractions is SR-22.

Therefore, auto insurance companies and your local DMV respond to a bad driving record with SR-22 requests. Failure to get an SR-22 will result in additional fines and loss of driving privileges.

What are other alternatives to show for proof of financial responsibility?

Proof of financial responsibility says that you have insurance or you have comparable finances to pay for injuries and damages after an accident per your state’s car insurance laws.

Here are three things that serve as alternatives for proof of insurance:

• Surety Bond
• Real Estate Bond
• Cash/Security Deposit

These items come with specific limits, including a $150,000 limit for real estate bonds or proof of a deposit worth $35,000 or more. Each state is different. Therefore, we recommended that you check your local DMV for more details.

What does personal injury protection (PIP) cover?

Personal injury protection covers a few things. Here’s a list that describes what PIP covers:

• Medical Expenses
• Work Loss (Lost Wages)
• Funeral Expenses
• Survivors’ Loss
• Essential Services

PIP doesn’t cover bodily damage liability or property damage liability. Therefore, any injuries or damages that another driver receives won’t be covered by PIP.

How do I get SR-22 and PIP?

Contact your car insurance company and let them know that the DMV and traffic court have ordered that you get SR-22.

SR-22 application fees cost between $15 and $35.

Once you submit your SR-22 application, it’ll take 30 days to process. When you’re approved, you’ll be certified as a high-risk driver with your state’s minimum car insurance requirements.

If PIP is required, you don’t have to take extra steps to add your policy. When PIP is optional, you have to ask your auto insurance company to add it for you.

How much is SR-22 auto insurance and personal injury protection?

Many factors go into whether affordable SR-22 and personal injury protection (PIP) coverage are available to you. One of the main factors is your driving record and the company where you buy auto insurance.

When SR-22 is attached to your car insurance policy, it increases your car insurance rates by 50%. Meanwhile, personal injury protection can add up to $114 to your policy. You can lower PIP insurance costs by reducing your deductibles and coverage levels.

What happens when you factor in SR-22 and PIP? Let’s compare.

• Liability-Only Coverage Auto Insurance Rates w/ SR-22 – $73/mo
• Liability-Only Coverage Auto Insurance Rates w/ SR-22 and PIP – $83
• Average Liability-Only Coverage Auto Insurance Rates – $48/mo

PIP adds about $10 to your monthly bill, which is about $114 per year.

Does SR-22 cover any car I drive?

The short answer is no. However, you can get non-owner auto insurance with SR-22. Non-owner car insurance provides liability coverage when you don’t own the vehicle you drive.

Since some states have PIP attached to liability coverage, so you don’t have to worry about shopping for additional PIP non-owner insurance.

If PIP is optional and you want to add it,  you should shop around for non-owner SR-22 insurance with options to add PIP.

Read more: SR-22 and Personal Umbrella Coverage: What to Know

SR-22 and Personal Injury Protection (PIP) Coverage: What’s the bottom line?

PIP is designed to compensate you for injuries regardless of fault. But, SR-22 is for high-risk drivers with too many traffic violations or accidents.

When you put these together, you’ll come up with more expensive car insurance. However, you can secure cheap SR-22 insurance through personal factors and discounts.

Before you buy SR-22 and personal injury protection (PIP) coverage, use our free online quote tool to compare multiple car insurance quotes from providers in your local area.