Owning a vehicle requires a high level of financial responsibility. Some people show a lack of financial responsibility though and have lapses of auto insurance coverage. SR22 insurance in Illinois is a type of automobile insurance is supposed to remedy that so other drivers on the road will be protected from people who don’t have auto insurance. SR22 insurance coverage is the solution for those in the state of Illinois. SR22 proof of insurance has to be filed directly with the Secretary of State. An insurance company files this type of insurance with the Secretary of State for a number of reasons. There are basically three main certificate that SR22 insurance in Illinois is required to file with the Secretary of State. SR22 insurance Illinois requires one of three certificates. The operator’s certificate covers the motorist when driving a vehicle that they borrow from someone. In other words, operator’s certificates through SR22 insurance in Illinois covers drivers who don’t own the vehicle they are driving. In the event the driver is involved in an accident, the financial responsibility will fall on the operator’s certificate. The second type of insurance that is used with SR22 insurance in Illinois is called the owner’s certificate. This type of insurance covers drivers who own the vehicle that they are driving. The third area of coverage involved with SR22 insurance in Illinois is called the operators owners certificate. This type of insurance is designed to cover all vehicles the person is driving, regardless if they are own it or not. Every state has a minimum amount of coverage that is required in order to drive legally in that state. Sr22 insurance in illinois also has a minimum amount of coverage in order to meet the requirements for liability coverage and other coverage. The minimum coverage for one person being injured or killed is $20,000. For more than one person the minimum coverage is $40,000. SR22 insurance in Illinois also requires drivers to have coverage for property damage as well. The minimum amount of coverage for property damage is $15,000. SR22 insurance in Illinois is designed to meet the minimum requirements that are set out by the state of Illinois. The total process of receiving SR22 insurance in Illinois takes a total of 30 days and is fairly simple.