If you have ever driven in Chicago, you know it’s full of aggressive, angry drivers. You need to protect yourself with car insurance if you plan to be on the road. Some of the laws surrounding car insurance can be confusing, and SR22 coverage is a necessity for certain drivers. Do you need cheap SR22 insurance after being notified that it’s required? Are you looking for a car insurance plan in general?
If you answered yes to these questions, keep reading below to find out what you need to know before you get started.
What Is SR22 Insurance Coverage?
An SR22 is a document that comes with your car insurance plan to prove that you do actually have car insurance. Some people might refer to this as SR22 bonds or an SR22 insurance plan, but it is a certificate that states you have met the Illinois requirements for car insurance coverage.
Not all drivers need an SR22 certificate. Drivers in certain situations will need one, however, to prove financial responsibility.
If you meet any of the following criteria, you will need to get an SR22:
- Serious traffic infractions (including DUIs)
- Many minor traffic infractions
- Failing to pay child support
- Failing to maintain SR22 for three years previously
- Being at fault in an accident without car insurance
- Failing to pay for damages caused by accident without car insurance
- Being caught driving without insurance three times
- Driving with a suspended license
- Reckless driving habits
In Illinois, you will receive a notice from the Secretary of State if an SR22 is required for your situation. Until you receive this notice, you don’t have to contact your insurance company.
The SR22 documentation means that you are meeting your state’s requirements for insurance, but it is not insurance by itself. You still have to buy a car insurance plan and keep yourself covered under that policy.
How to Get Cheap SR22 Insurance in Chicago
When you obtain your car insurance, you will want to mention that you also need an SR22 certificate filing. The insurance carrier is going to be able to get this filled out for you.
To obtain this, you’ll need to provide your driver’s license number, accurate address, and additional information so that we can identify you properly in the system. In most situations, we can send your SR22 to you electronically within the same day.
Illinois requires that you have your SR22 certificate with your insurance plan for at least three years. This number may vary based on other circumstances, but three years is the standard amount of time that you will want to remember unless otherwise indicated.
If your insurance or SR22 lapses before the three years are up, we will have to contact the DMV. This may result in you losing your driver’s license or other consequences. For this reason, keeping up with your insurance payments is crucial to keep yourself out of further trouble.
Once you no longer need the SR22 coverage, an SR26 form will be filed to remove this requirement.
Get Car Insurance in Chicago Today
If you’re looking for cheap SR22 insurance, we have you covered. Not only are we experienced in this area, but we also offer plans built with everyone in mind.
In Chicago, you want to have a good insurance plan that you can afford. Drivers can be aggressive, and you need to make sure that you’re keeping yourself safe.
Get in touch with us today for a free quote.