Do I Need SR-22 Insurance?

Drivers that have previously had their driving privileges suspended may be in the market for low-cost SR-22 insurance. Those that have had a DUI or other serious driving-related violation in Chicago are more likely to require this particular kind of insurance. At Illinois Automobile Insurance Agency, we want you to fully understand SR-22 insurance which is why we have gathered this information here.

SR-22 Basics

The certificate of financial responsibility that is used as proof that you, as a driver, will maintain the insurance required by our state is called the SR-22. This certificate usually includes the length of time that you have been specified to maintain it. In most cases, it is a period of three years.

Most drivers that are required to purchase low-cost SR-22 insurance are those that have:

  • Been convicted of a DUI or a DWI
  • Been caught driving while uninsured
  • Been at fault in a serious accident that caused substantial injuries
  • A large number of points on their license

If you live in the Chicago area, the state will generally notify you if an SR-22 is necessary. If your license has been suspended or revoked, you will likely need it to get the license reinstated.

Is SR-22 a Type of Insurance?

While SR-22 isn’t technically its own type of insurance, it is usually referred to as SR-22 insurance. In actuality, the SR-22 is a form of proof that you, as a driver, are insured. Insurance agencies offer low-cost SR-22 insurance because being such a high-risk driver puts you into a category.

Getting Your SR-22

Since they are linked to licenses with serious violations, getting an SR-22 isn’t quite as simple as a regular proof of insurance. Many insurance companies won’t even cover a driver that needs this type of certification because of the risk involved.

You may need to find a company that specializes in low-cost SR-22 insurance policies in the Chicago area. Illinois Automobile Insurance Agency will file the certification for you, and we can make sure that you have all of the legally mandated limits. We can cover you for as long as you need the low-cost SR-22 insurance, but a second violation may require your SR-22 to be in place for a longer period of time.

If you find yourself in need of low-cost SR-22 insurance, contact Chicago’s favorite insurance provider: Illinois Automobile Insurance Agency. We will do our best to get you the coverage you need at a price you can afford. You can get back on the road and back to living your life. You can also connect them on Facebook.