Certain motor vehicle offenses can result in suspension of your drivers license. When you have a license suspension, the state will require you to file an SR22 insurance Illinois certificate to reinstate your driving privileges.
What is SR22 insurance Illinois?
An SR22 is a financial responsibility form that your insurance provider endorses to your auto insurance policy and files 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. The state usually requires drivers to maintain it for three years. The insurance company that issues your policy will monitor during this time. If it lapses even once, the insurance company immediately notifies the Secretary of State’s office, which results in another license suspension.
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, your insurance provider endorses the SR22 certificate 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 and reinstatement fees.
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This article was last updated on July 19th, 2023 by UltraCar Insurance
