SR-22 insurance is commonly referred to as car insurance for DUI offenders, high-risk auto insurance or DUI car insurance. It is a crucial addendum to an auto insurance policy for traffic offenders. For example, when you are caught driving under the influence, lacking proper insurance documents or violating traffic rules and regulations, as well as neglecting payment for parking, you must file for Illinois SR22 insurance. If you are a high-risk driver, this is a very fundamental necessity because you cannot drive without it. It is also a mandatory requirement for you to have your driving license reinstated.
Unfortunately, there are a number of myths about this document, which causes a lot of misconceptions among consumers.
- You do not need auto insurance to get SR-22 Insurance
This is a fallacy. As earlier stated, this is not an insurance policy but an endorsement to your car insurance policy. Obviously, you must first get auto insurance before applying for SR-22 insurance. It is proof to the Department of Motor Vehicles (DMV) that you have an existing car insurance policy and are financially responsible toward other road users.
2. An SR-22 form is not important once you change states
Some people believe that changing states will eliminate the need to carry an SR-22 form around. Unfortunately for them, this is not true. You must maintain it regardless of what state you are in. It is therefore prudent to ensure that you get your car insurance policy from an insurer who has been licensed to transact business in all the states you are interested in.
3. Dualistic insurance coverage is possible
You may have heard people say that they can get an SR-22 form from a different insurance company other than their insurer. These people clearly suggest that it is possible to have dualistic coverage. Nevertheless, this is prohibited by law. Your car insurance company must be the one to file for this vital certificate on your behalf. You are advised to change to a different insurer should the current one fail to provide this obligatory form.
4. An SR-22 form gives immunity against suspension of driving privileges
The fact that an SR-22 form is used to reinstate driving licenses has been mistakenly used by people to conclude that its acquisition provides immunity against having a license revoked. Conversely, the DMV has the power to still revoke the driving license and other driving privileges should you fail to comply with the regulations. For example, a missed or late payment during renewal can cause the DMV to suspend your driving privileges and maybe penalize you. You must therefore strive to make your payments on time to prevent this unfortunate occurrence.
5. There are monthly payments
Several people have avoided getting SR-22 insurance due to the misconception that monthly payments have to be made. Actually, you must only pay a one-time fee. Additionally, the fee must be paid whenever you wish to renew the plan.
6. You must own a car to get SR-22 insurance
Owning a car is not a primary requirement for getting this certificate. In case you do not own a car, you can apply for the non-owners plan. The main aim of getting SR-22 insurance is proving to the DMV that you will be a responsible driver whether you own the car you are driving or not.
If you need more insight on SR-22 insurance and wish to talk to a professional, please feel free to give Cloverleaf Insurance a call at 800-530-5822. We have a dedicated team that guarantees quality assistance and advice.