SR22 Insurance Illinois

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SR22 Insurance Illinois

SR22 Insurance Illinois

SR22 insurance Illinois is a financial responsibility certificate that’s attached to an insurance policy. The certificate is filed with the state as a guarantee that you’ll carry the state-required liability insurance coverage for a certain period of time. Both vehicle owners and those who don’t own a vehicle can purchase SR22 insurance coverage.

Certain motor vehicle offenses can result in suspension of your drivers license. If your license is suspended, the state will require you to file a certificate called SR22 insurance Illinois to reinstate your driving privileges.

What is SR22 insurance Illinois?

SR22 insurance┬áIllinois is a financial responsibility form that’s endorsed to your auto insurance policy and filed with the Office of the Illinois Secretary of State. The filing allows you to continue driving, as long as you maintain minimum liability insurance coverage for a specific time period in the future. You’ll likely be required to keep it for three years. The policy will be monitored closely during this time. If it lapses even once, your insurance provider immediately notifies the Secretary of State’s office, resulting in your license being suspended again.

There are two types of SR22 insurance Illinois: Non Owner SR22 vs SR22 Insurance. 1. Vehicle owners will need an owner/owner-operator SR22 certificate endorsed to their auto insurance policy. 2. A non owner SR22 policy is for people who don’t own a vehicle. It is secondary insurance that covers you when driving a vehicle owned by another person. In this case the SR22 certificate is endorsed to a non-owner insurance policy. If you cause an accident while driving a borrowed vehicle, your insurance would pay claims that exceed the vehicle owner’s insurance coverage. Be aware that non owner insurance coverage excludes coverage for certain types of vehicles.

Common reasons people need an SR22 filing:

  • Child support orders
  • Legal judgments
  • Driving without insurance
  • Uninsured auto accidents
  • Refusal to a breath or blood test
  • DUI or DWI offenses
  • An accumulation of too many points on their driving record

The Office of the Illinois Secretary of State website has comprehensive information about SR22 financial responsibility insurance, reinstatement fees, and the license reinstatement process.

UltraCar Insurance provides quick Illinois SR22 insurance quotes at low rates. When you need SR22 insurance Illinois, count on us for a quick filing. Click to start a quote or give us a call today!

This article was last updated on March 9th, 2023 by