Reader’s Question:

I had an accident recently but I do not have car insurance. The DMV in Virginia wants an SR-22 certificate sent to them. What questions are on that SR22 form? Am I gonna have to pay for that accident?

Janice

Virginia Beach, VA

The SR-22 is simply a form of financial responsibility proving that you are carrying a certain type of liability coverage. It is not a form with questions that you have fill out but it is the one that your insurance company would fill out and file for you with the state of Virginia showing you had the required insurance coverages.

Normally if you were at fault in the accident you would be held personally liable for the damages the vehicle and driver sustained. If you did not pay the other party on your own the other driver could seek a judgment in court against you. If the other driver had insurance to take care of their damages their insurance company could come after you (subrogate with you) for the monies they paid out for the accident you caused.