Insurance With SR22
Reader’s Question:
What is SR 22? and how do I find car insurance with SR22 here in Illinois?
Oliver
Chicago, IL
For those people who have gotten their licenses suspended due to reckless driving, driving without adequate auto insurance coverage, DUI (Driving Under the Influence) or DWI (Driving Within the Influence), or has accumulated one too many traffic violations, one of the first steps into getting your license reinstated is to get car insurance with SR22 certification.
An SR 22 is simply a form that is filed to your state Department of Motor Vehicles (DMV) as proof that you have adequate financial capacity to pay anyone you injure as well as properties you may damage during a car accident. This financial capacity is mostly in the form of auto insurance coverage. The state would want to make sure that individuals with histories of risky driving have adequate insurance for every citizens mutual protection.
To get an SR22 form you will need to find an insurance carrier that is authorized to file SR22’s. The insurance carrier is the one to forward the certificate to the DMV office. You also need to remember that this kind of form (and the auto insurance policy itself) needs to be maintained for at least three years, without any gaps.
We encourage you to begin your search by using the free insurance quote tool found on this website. Not only can you easily find the companies that can help you file an SR22 form, you will also get access to timely rate information and be able to compare a wide range of insurance carriers easily.