When a person is required to carry SR22 insurance in order drive, there are many questions that can arise. While all Illinois drivers are required to carry some form of insurance for the protection of themselves and the other drivers on the road, SR22 insurance is a very specific request made for qualifying drivers. It is important for any individual seeking this insurance in order to drive to understand the process involved and the options available to them. When seeking this type of insurance, a driver has three options available to them including the use of an owner certificate, a non owner SR22 insurance certificate, or an operators-owners certificate.
The first type of coverage available to a driver is found with the owner certificate. This type of insurance is typically utilized by individuals who own their own vehicle and will find themselves driving this vehicle on a regular basis. The coverage will create a policy either for the specific vehicle an individual owns or for all the vehicles an individual owns, which will be documented on the SR22 owner certificate. It is important to recognize that when you purchase this type of insurance you are strictly limited to driving your own vehicle or the vehicle which is specifically protected by the insurance policy. If you were to borrow another individual’s vehicle, your SR22 owner certificate would not cover the vehicle you’re driving, creating a violation of your insurance requirement.
Not all individuals own their own vehicle, which for many makes it seem impossible to have any type of SR22 insurance coverage. Fortunately, there are options available for individuals who do not own their own vehicle when you seek the opportunities that exist with non owner SR22 insurance. This type of coverage will allow you to occasionally drive a vehicle owned by other individuals and still legally be able to drive. It is important to recognize that this type of insurance does not represent coverage on the vehicle you are driving and the owner of the vehicle is still required to have their own insurance coverage. Additionally, this type of insurance does not cover a vehicle that is provided for you for regular use.
The final type of SR22 coverage available to an individual seeking this type of insurance is found with the owners-operators certificate. This is often the most expensive type of automotive insurance but also comes with the fewest amounts of restrictions. When you invest in this type of insurance you are essentially combining the previous two policies. This will allow you to drive your own vehicle protected as well as being insured to drive the vehicle of other individuals when necessary.
The type of insurance that you select when purchasing SR22 coverage should be specific to your driving situation. Whether you choose an owner certificate, a non owner SR22 insurance certificate, or an operators-owners certificate, make sure your policy is accepted before attempting any driving. The utilization of SR22 coverage is often a temporary measure as you improve your driving record but making sure you choose the right coverage for you is essential in saving money and driving safely.