It can be difficult to comprehend SR-22 insurance. Many people are unfamiliar with what an SR-22 is, why it is required, and what it can do for them. In this blog, we’ll go over the fundamentals of SR-22 insurance and why you might need it. We’ll go through the many types of coverage, the cost of this insurance, and what to look for when choosing an SR-22 policy. Whether you are obliged to acquire SR-22 insurance or simply want an extra layer of safety, this article can assist you in making an informed selection.
What is an SR-22?
An SR-22 is a special type of policy that proves to the state that you have the minimum amount of liability insurance required by law. Many people find themselves in need of this type of insurance when their license has been suspended due to a violation or other issue.
An SR-22, on the other hand, should not be mistaken with auto insurance. It is proof that you have the bare minimum of insurance coverage required to lawfully drive. You will be unable to obtain a driver’s license or register a vehicle without it. It is critical to note that the SR-22 is not an insurance policy in and of itself, but rather a document that serves as proof of insurance.
How to Obtain an SR-22?
Getting an SR-22 can be a hassle, but it’s important to make sure you do it correctly to maintain your driving privileges. If you’ve been told that you need an SR-22, here’s what you need to know in order to get one.
1. Speak to your Insurance Company
In most cases, you’ll need to contact your insurance company to obtain an SR-22. They can tell you if they offer SR-22 insurance and provide you with the necessary paperwork.
2. Fill Out the Necessary Forms
Your insurance company will provide you with the forms you need to fill out in order to obtain an SR-22. Be sure to read each form carefully and answer all questions as accurately as possible.
3. Submit the Forms to the DMV
Once you’ve filled out the forms, you’ll need to submit them to the DMV. This can typically be done in person or through the mail.
4. Pay the Filing Fee
When you submit the forms to the DMV, you’ll also need to pay the filing fee. This fee varies from state to state, so be sure to check with your local DMV for the exact amount.
5. Monitor Your Coverage
Once you’ve obtained an SR-22, you’ll need to make sure you maintain the minimum required coverage in order to keep your driving privileges. If you fail to do so, your SR-22 will be revoked and your driving privileges will be suspended.
Why Would You Need an SR-22?
SR-22s are required by law when certain conditions are met, but why would you need one? Let’s take a closer look to find out!
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Multiple Traffic Offenses
If someone has accumulated multiple traffic offenses, such as speeding tickets and reckless driving, an SR-22 may be required in order for the driver to have their license reinstated. The SR-22 proves that the driver has the necessary liability insurance coverage and is financially responsible for any potential damage or injury that could be caused by their driving.
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Convicted of DUI or DWI or Other Violations
If someone is convicted of a DUI or DWI, they may be required to file an SR-22 with the department of motor vehicles in order to have their license reinstated. An SR-22 is also required for any other serious moving violations such as vehicular manslaughter or leaving the scene of an accident.
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Reinstatement Following License Suspension or Revocation
A driver may be required to obtain an SR-22 filing if their license has been revoked. This filing is necessary to reinstate a revoked license. The cost of insurance can vary depending on the type of offense and the driver’s driving record. Additionally, there may be additional fees associated with the filing, such as filing fees and state taxes. The cost of SR-22 insurance can also vary by insurance company.
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Vehicle Registration Revocation
If someone’s vehicle registration is revoked, they may be required to obtain an SR-22 in order to have the vehicle registered again. This is the case even if the revocation was not related to a traffic offense. An SR-22 proves that the driver has the necessary liability insurance coverage and is financially responsible for any potential damage or injury that could be caused by their driving.
What Happens When You Drive Without Insurance?
The consequences of driving without insurance can be severe. In most states, it is illegal to drive without at least the minimum amount of insurance coverage. Depending on the state, you may be subject to fines, license suspension, and even jail time.
When you are caught driving without insurance, the police can issue you a citation and, in some cases, you may have to appear in court. In addition to these penalties, your license may also be suspended for a short time or even completely revoked. If your license is suspended due to driving without insurance, you may have to pay a fee to get it reinstated, or you may have to take a driver’s education course and/or complete community service.
Why Driver’s License May Be Suspended
When a driver’s license is suspended, it is important to understand the reasons why, and the consequences of continuing to drive with a suspended license. In some states, driving with a suspended license can lead to an immediate arrest, heavy fines, and/or jail time. Here are few of the reasons why a driver’s license may be suspended:
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DUI/DWI
Driving under the influence of alcohol or drugs is a serious offense and can result in a suspended license. When your driver’s license is suspended due to a DUI/DWI conviction, you are required to obtain an SR-22 form and maintain it for a period of three years.
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Reckless Driving
Reckless driving is another major offense that can lead to a suspension. Driving dangerously and in an irresponsible manner can result in a suspended license. The driver may need to pay hefty fines and may even be required to attend a safe driving course.
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Inadequate Auto Insurance Coverage
In some states, a driver’s license may be suspended for not having the necessary amount of auto insurance coverage. In this case, it is important to understand that the only way to reinstate a suspended license is to obtain an SR-22 form. Once the SR-22 form is filed, the suspension will be lifted and the driver can legally operate a motor vehicle again.
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Driving Without Auto Insurance
When you’re driving without insurance, you’re putting yourself, your passengers, and other drivers at risk. If you’re in an accident, the other driver will be left to pay for the costs of the damage, while your own bills will also pile up. In addition, if you’re caught without insurance, your license can be suspended for a year or more depending on the state laws.
Do I Need An SR-22 Insurance If My License Was Suspended?
If your license was suspended due to driving without insurance, you will likely need to obtain an SR-22 in order to have your license reinstated. It’s important to keep in mind that if your license is suspended due to driving without insurance, it is illegal to drive until your license is reinstated. In some cases, you may be required to maintain SR-22 insurance for several years, even after your license is reinstated.
Getting SR-22 Insurance with a Suspended License
In most cases, you will be able to obtain SR-22 insurance even if your license was suspended. However, you may be charged a higher premium due to the fact that you have a suspended license. It’s important to keep in mind that if your license is suspended due to driving without insurance, it is illegal to drive until your license is reinstated.
Secure Your Driving Future With Illinois Drivers Insurance
Are you an Illinois driver in need of secure car insurance? Illinois Drivers Insurance has the perfect solution for you with our SR-22 insurance coverage. As the state of Illinois requires higher levels of financial security for drivers, Illinois Drivers Insurance is here to offer the best coverage.
With Illinois Drivers Insurance, you’ll receive the highest quality service and the most affordable rates. Our experienced and knowledgeable staff is dedicated to providing you the best car insurance coverage. Purchasing SR-22 insurance is easy and fast with our online quote system. Get secure and reliable SR-22 coverage to protect you from potential financial risks. We are committed to providing the best service and coverage for Illinois drivers. Contact us today to get started!