Illinois SR22 Insurance
Illinois SR22 Insurance
Illinois SR22 Insurance
An SR-22 certificate is a court or state-ordered document which shows that minimum insurance coverage has been obtained by a driver. For example, a person may be required to submit an SR-22 in Illinois in order to regain their right to drive after their license has been suspended or revoked. SR-22 certifications are used in almost every state to ensure high-risk drivers meet minimum liability coverage requirements. An SR-22 Illinois certificate is also referred to as a Certificate of Financial Responsibility, as gaining insurance coverage covers the driver’s liability to others who may be involved in a future accident.
- SR-22 Insurance Explained
- Who needs an SR-22?
- How do I get SR-22 insurance in Illinois?
- What is Non-Owner SR-22 Insurance?
- Cheap SR22 Insurance in Illinois
SR-22 Insurance Explained
Technically, an SR-22 is not a type of insurance policy itself. An SR-22 is a document proving to the state of Illinois that you have an auto insurance policy.
For drivers who are considered high-risk or have had their license revoked, the state requires an SR-22 form, or Certificate of Financial Responsibility, along with the policy you have purchased.
A policy requiring an SR-22 will meet Illinois’ requirements for minimum liability auto insurance. If you have an SR-22, your auto insurance company must notify the state if your insurance policy expires or goes unpaid. The state can then suspend or revoke your driver’s license. This keeps the high-risk driver accountable to maintain their auto insurance
Who needs an SR-22?
SR-22 auto insurance is typically required for high-risk drivers who have had a license revoked or have committed certain violations. In Illinois these include:
- Multiple traffic violations
- Driving without auto insurance
- A DUI conviction
- Expired license plates
- A revoked or suspended driver’s license
- Excessive unpaid tollway fares
- Failing to maintain a previous SR-22 policy for at least 3 years
If you’re required to obtain SR-22 insurance, the Illinois Secretary of State office will tell you. If you’re not sure whether you need an SR-22 or are still required to have one, contact the Illinois Secretary of State office at 800-252-8980.
How do I get SR-22 insurance in Illinois?
Getting SR-22 insurance in Illinois is similar to purchasing normal auto insurance. Most people who need an SR-22 have had their insurance canceled as a result of having their license suspended or revoked. If you still have an existing policy, you may be able to simply add an SR-22 through your existing insurance company; you should call your insurer to determine if they offer this option.
For currently insured drivers
If you possess an active auto insurance policy, obtaining an SR-22 should be easy. Call up your insurance company and ask them to file a SR-22 request on your behalf. If your insurer declines to file a request, you should shop for a new policy with a new insurance company.
For drivers without a vehicle
Not owning a car makes it more difficult to obtain an SR-22 as you will need to furnish proof of insurance to receive the certificate. If this is the case, get a non-owners car insurance policy before filing an SR-22 request. Non-owners car insurance is often cheaper than a traditional policy since it doesn’t cover physical damage to your car.
The property damage will provide coverage for the driver and
whomever is driving the vehicle in the case of an accident.
If you or a family member are driving and involved in a accident the insurance company will pay for damages occurred from the accident up to $25,000. If there is damages above and beyond that you will be responsible for the remaining money owed.
Regardless of your driving history, we’re here to help. Ready to get started? Sit back, relax,
and discover an easier way to get the coverage you need.
What is Non-Owner SR-22 Insurance?
Do you need your driver’s license reinstated for work or other purposes, but you don’t currently own a car? Or maybe you need a less expensive path to obtaining SR-22 insurance so you can start driving again? Non-owner SR-22 insurance is an option.
With a standard SR-22 insurance policy, you’re covered as the owner and primary driver of a specific vehicle. Non-owner SR-22 insurance, on the other hand, will cover you as a driver of any vehicle you do not own, such as a car you rent or borrow. That way, you can follow Illinois legal requirements while still driving someone else’s car!
It is worth mentioning that a non-owner SR-22 insurance policy costs considerably less than other policies since it only covers a person for liability. Regardless, in most states, if the other person is at fault, their insurance should cover the costs of an accident. However, a non-owner policy may not cover the vehicle owned or frequently used by the convicted driver.
Cheap SR22 Insurance in Illinois
Going through the ordeal of having your driver’s license revoked or suspended can be stressful and expensive. Between the requirements and cost, it can feel like a never-ending cycle. Choosing the right auto insurance company can make your reinstatement process easy on you and easy on your wallet.
At SR-22 Insurance, we want you safely behind the wheel again as soon as possible. Our cheap SR-22 insurance helps achieve that.
Need cheap SR-22 insurance? Get a fast and free quote now. https://sr22insurance.net/sr22-insurance-quotes/
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