Owner-Operator SR22 Insurance

This type of SR22 insurance is for individuals who both own a vehicle and also drive vehicles they do not own. It provides liability coverage for both the owned vehicle and any non-owned vehicles the insured person operates.

Operator's Certificate SR22 Insurance:

• Coverage: An operator's certificate SR22 insurance policy provides liability coverage for drivers who operate vehicles they do not own. It covers the driver's liability while driving any vehicle they have permission to operate.
• Vehicle Ownership: This type of policy does not require the insured person to own a vehicle.
• Usage: It is suitable for individuals who frequently drive vehicles they do not own, such as rental cars, borrowed vehicles, or employer-provided vehicles.
• Liability Coverage: The policy provides liability coverage for damages to other people's property and injuries they sustain in an accident caused by the insured person.

It's important to note that SR22 insurance primarily focuses on liability coverage for the vehicle. It does not typically cover the owner's personal injuries or damages to their own vehicle, unless optional coverages are added to the policy.