I am required to carry an sr-22 in Illinois. I just purchased a motorcycle, do I have to have an sr-22 on that motorcycle?

Mike

Good Question Mike.

Liability insurance is required for all motor vehicles that are being driven, including motorcycles. This is being used by the state of Illinois to monitor the insurance of problem drivers.

The SR-22 is a certificate of insurance filed by the insurance company to the Illinois Secretary of State and can be issued in one of the following forms:

1. Operator’s Certificate – covers the individual in the operation of any non-owned vehicle. If the driver does not own a vehicle, the financial responsibility requirement can be met this way.

2. Owner’s Certificate – covers cars owned by the motorist. The type of car must be listed on the SR-22 or may be issued for “All owned vehicles”.

3. Operators-Owners Certificate – covers all cars owned or non-owned by the motorist.

If you have an Owner’s Certificate or Operators-Owners Certificate type of SR-22, you will need to add your motorcycle as one of your owned cars. Contact the Illinois Secretary of State Driver’s Services to verify if you will need to include your motorcycle to your sr-22 or you will need to have a separate policy for it.

Goodluck!

MariCAR

I have an sr-22 in Florida and I purchased the minimum insurance coverage. Do I have to purchase a coverage for the motorcycle I drive to work?

William

Good Question William.

The state of Florida will not require you to carry an insurance for your motorcycle if you meet two requirements. Here are the requirements:

1) you must wear a helmet

2) you must be twenty-one years old (or older).

If you do not meet the requirements above, you will need to buy an insurance policy for your motorcycle.

Your insurance policy for the motorcycle will need to be separate from your SR22 auto insurance policy. In addition, if you have an insurance on the motorcycle your insurance company may require you that you carry comprehensive and collision coverage.

To save on your motorcycle insurance, the easiest way is to shop online and compare prices on different insurance companies that offers the cheapest insurance coverage.

Various insurance companies have a broad market and can offer affordable market for more than 95 percent of all motorcycles. You may be able to get motorcycle insurance for most motorcycles,like Cruisers, Tour bikes or Harley-Davidson vehicle!

Goodluck!

MariCAR