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
- 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.