Do you Need SR22 Insurance For Motorcycles?
Reader’s Question:
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
