Choosing the Right SR22

When it comes to filling SR22 form,there are three main types of SR22 insurance you should consider. If in doubt, ask for when contacting the insurance company:

• Operator’s / Non-owner’s Certificate: protects you when you operate a vehicle that you don’t own.
• Owner’s Certificate: covers you when driving cars that you own. Each vehicle in your possession must be listed on the SR-22 certificate, or you have to get one that is valid “for all owned vehicles”.
• Operator’s-Owner’s Certificate: protects you when driving any vehicle, whether or not you own it. If you frequently switch cars or have access to a wide range of vehicles, this is the certificate you should buy.

Not having the right form of SR-22 (like, for instance, driving a car that you own while holding only a Operator’s Certificate) will lead to another cancellation of your driver’s license and the resetting of your SR-22 filing period. In other words, if you have a three year filing requirement and have been caught with the wrong type of insurance after two and a half years, you will have your driving privileges revoked and be asked to carry a SR-22 policy for another three years.