It's a conundrum: drivers with driving records earning nicknames like "Crash" are the ones from whom the public need coverage the most, yet a bad driving record can make securing that coverage seem impossible. Enter the SR-22, a certificate of insurability that acts like a motor vehicle collision bond in some states, quasi-insurance in others, and which does not even exist in the rest.

On this week's installment, Rebecca and Steve discuss when an SR-22 acts like insurance, where it goes by the name FR-44, and how payment under an SR-22 can entitle an insurer to recover against its own insured. Spoiler: in these subrogation claims, the issue is one of contract, not tort.