Understanding SR-22

If you have been notified that you will need a SR-22 for your insurance coverage, then you should continue reading to understand what is required of you with the SR-22; otherwise, you may get a ticket on your way to Kiddie Kingdom for not being compliant with local driving laws.

What is a SR-22?

Many people think that SR-22 is a special type of insurance they need in order to continue to drive, but it’s not. A SR-22 is a certificate that accompanies your insurance policy; it’s also called a Financial Responsibility Certificate. In essence, a SR-22 is your insurance company vouching for your ability to drive. Generally, you have to have a SR-22 after you have had trouble driving. For instance, some people receive notification that they have to have it after driving under the influence. Others may receive notice that they have to have a SR-22 after they have received a ticket for driving without a license. Additional triggers for the certificate include:

  • Insurance supervisions
  • Unsatisfied judgment suspension
  • Revocations
  • Mandatory insurance violations

Where Do You Get a SR-22?

You get a SR-22 from your insurance company when you call to get car insurance quotes. During the time of the quote, you should ask each agent about getting the SR-22 certificate and they will let you know the price for the form. With the best insurance companies, getting a SR-22 is painless and doesn’t require much on your part, other than the fee.

How Long Do You Need a SR-22 in Niles Illinois?

After receiving your copy of the Financial Responsibility Certificate, you are required to have continual insurance on your vehicles and maintain the certificate for three years, per the state of Illinois. If your insurance is cancelled, then your insurance company is obligated to notify the Safety and Responsibility Section. Once notified, your driving privileges will be suspended and won’t be restored until your insurance is reinstated.

With more knowledge about the SR-22 you know exactly what is expected of you while driving around in Niles Illinois 60714. After three years of driving with a SR-22, call around to speak with insurance agents to see whether you can reduce your insurance rates when you insurance is up for renewal.


Learning Means Increased Risk

The best drivers are experienced drivers. When a teen begins driving on a learners permit, they have virtually no driving experience. Because of the lack of experience, risk goes up.

Illinois doesn’t allow anybody to operate a motor vehicle on its roadways without being financially responsible. Every driver is required to maintain car insurance in the minimum amount of $20,000 per person, $40,000 per occurrence and $15,000 in property damage. That’s not enough coverage though, particularly for a driver with no experience who is at higher risk of causing an accident. That insurance only covers people or property they might hurt or damage. It doesn’t cover repairs to your car, and it doesn’t cover your teen if they get hit by an uninsured or underinsured driver.

We’re independent insurance agents, and the best interests of you and your teen driver are our concern when you’re looking for insurance. As members of your community, we stake our good reputations on the quality of the services we provide. We don’t want to see a teen out on the road learning to drive responsibly, but with insufficient car insurance. When you talk to us about your child needing insurance for their learners permit, we’re going to give you the benefit of our knowledge and experience and a broad range of policies and premiums that we offer. You won’t just have one choice from one insurer. We’ll give you a wide variety of individualized choices for Illinois car insurance.

Feel free to contact us as your independent insurance agents when your teen is ready for their Illinois learners permit. Our reputations speak for themselves in our community. From us you’ll receive objective and unbiased information for car insurance and quotes. We’ll be pleased to take the time to answer your questions.