stands for safety responsibility. SR-22 is a vehicle liability
insurance that is unlike your usual car insurance. It is important to
understand the basics so that you can differentiate SR-22 insurance
from the normal auto insurance. It is important to note that this
type of insurance is only available in some states. You should find
out whether the state that you are in has SR-22 insurance. There are
some basics that you need to learn about this insurance. They
* SR-22 insurance is a
certification of proof of insurance in the future. It is important to
note that each state has a minimum requirement for auto insurance.
Failure to meet these financial obligations is a breach of the law
that could lead to serious repercussions. When you cannot meet these
obligations you can get an SR-22 insurance. This insurance allows you
to drive without the minimum requirement in auto insurance. The
insurance has to fill an SR-22 form with the Department of Motor
Vehicles to inform them that their client is driving without the
minimum state’s requirement.
* You do not need to own car to buy this policy but you can speak to your insurance provider to offer you a non-owners SR-22 insurance in Chicago. The policy expires after a specific period and the insurance provider must notify the DMV when it is cancelled or expires. In addition, when you fully comply with the requirements, the insurance has to add the SR-22 form filing to your auto insurance as an endorsement that shows that you have fulfilled your obligations.
* The SR-22 insurance certificate is issued in
three forms. The operator’s certificate is a policy that covers
someone in a non-owned vehicle. If you do not have a vehicle, this
policy will cover you. There is also an owner’s certificate which
covers someone with a vehicle, and applicant has to list the type of
vehicle owned and where applicable list all the vehicles under his
name. Finally, there is the owners-operators form that covers all
vehicles that are owned or non-owned by the operator.
* It is important to note that the insurance will
cover for damages caused by the person covered in case of an
accident. The amount they can cover depends on the type of policy
that has been taken. Therefore, this policy assures the DMV that the
person is not driving uninsured although he cannot meet the required
It is important to note that SR-22 insurance is very helpful during DUI cases. If you have an SR-22 form, it can help you prevent suspension of your driving privileges. It is also necessary when getting insurance and you have been convicted of DUI. It is a proof of financial responsibility.