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August 2, 2013

Common Questions Asked About SR-22 Insurance

SR-22 is not insurance, but it is a document that an auto insurance company will file on behalf of an individual that states financial responsibility or liability coverage. Let’s have a look at some common questions asked about Illinois SR22 insurance.

What Is SR-22 Insurance?

As mentioned above, SR-22 insurance is a document that indicates that an individual is able to meet a future financial obligation or has minimum amounts of insurance required for their state of residence. This form must be carried at all times by the individual as proof that they have met the conditions set out by the state. 

Why Is SR-22 Insurance Required?

An SR-22 form may be required for a number of reasons. This form typically indicates that the individual is a high-risk driver. The various reasons a driver could be required to carry an SR-22 document include:

  • Driving under the influence of alcohol or drugs (DUI, DWI)
  • Being stopped by police and unable to show proper insurance documentation
  • Having committed serious driving violations
  • Being a repeat offender when it comes to accidents or serious traffic violations
  • Non-payment of numerous traffic tickets

What If I Don’t Own A Car?

Even if you don’t own a car, you will be required to show that you can meet the financial obligation of carrying the minimum amount of liability coverage. This confirms that you are covered when driving a vehicle other than your own. A non-SR-22 policy that has SR-22 included will be required. 

How Long Is SR-22 Insurance Required?

The severity of your infractions will dictate how long SR-22 is required. If you have a minor violation, it may be required for perhaps a year. If the offense was a DUI or a severe traffic violation that caused an accident, it may be required for up to five years, depending on the state.

What If I Cancel My SR-22?

If you let your SR-22 lapse or cancel it while it is still required, the insurance company must notify the state authorities. Your driving privileges will most likely be suspended and other action could be taken against you. 

How Much Does SR-22 Cost?

The cost to obtain and file for SR-22 is not that expensive. It generally will amount to between $25 to $50. Your insurance premiums may be increased, though, especially for a DUI, but it will depend on the infraction.

What If I Move Out Of State?  

If you move to another state, you are still required to maintain the SR-22 for the state where it was filed. Notify the insurance company of your new address and be sure to not let the SR-22 lapse or be cancelled. Review the insurance requirements for the state you are moving to before you start driving. Each state will have their own policies, and some may or may not require you to file for SR-22. 

Can I Switch Insurance Companies?

Yes, you can switch insurance companies at any time, as long as coverage does not lapse. Ensure that the new insurance company has the necessary SR-22 filing information.

If you need to file for SR-22 Insurance, please give Cloverleaf Insurance a call at 800-530-5822 to obtain more information.

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