Full Coverage After Reinstatement
Full coverage after reinstatement means carrying comprehensive and collision insurance plus liability on your post-suspension policy, not a special filing requirement.
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What Is Full Coverage After Reinstatement Insurance?
Full coverage after reinstatement is not a distinct insurance product. It refers to purchasing comprehensive and collision coverage on top of liability insurance after your license is reinstated following a suspension. The SR-22 or FR-44 filing is a separate requirement that attaches to whatever coverage level you choose. You can carry liability-only with an SR-22, or you can add comprehensive and collision to protect your own vehicle. The phrase full coverage simply means you selected physical damage coverage for your car in addition to the state-required liability minimums.
Who Needs Full Coverage After Reinstatement Insurance?
Lenders require comprehensive and collision coverage as a loan condition. Dropping physical damage coverage to save premium while carrying a loan violates your financing agreement and risks repossession.
Compare your vehicle's actual cash value to the annual cost of comprehensive and collision coverage plus your deductible.
How Much Does Full Coverage After Reinstatement Insurance Cost?
- Filing period length: 3-year SR-22 requirements in states like California or Florida result in longer surcharge exposure than 1-year filings in states like Indiana.
- Stacked violations: Multiple suspensions or violations during the filing period reset surcharge timelines and increase premiums further.
- State minimum requirements: Higher liability minimums in states like Alaska (50/100/25) or Maine (50/100/25) increase base premium before adding physical damage coverage.
