Understanding SR-22 insurance minimum coverage requirements is fundamental for legal compliance. Each state mandates minimum liability limits covering bodily injury and property damage. SR-22 insurance policies are structured to meet or exceed these thresholds, ensuring that high-risk drivers can lawfully operate vehicles.
While minimum coverage reduces premiums, it also increases out-of-pocket exposure in the event of an accident. Therefore, consumers must balance affordability with financial protection. Insurance advisors often recommend slightly higher limits when feasible.
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