SR-22 Insurance for High-Risk Drivers in Oak Lawn, IL
If the state has informed you that you need an SR-22, you’re likely dealing with a past driving violation and a requirement to prove financial responsibility. While the process might sound intimidating, filing an SR-22 doesn’t have to be complicated when you work with the right agency.
Hanway Insurance helps drivers in Oak Lawn, IL file SR-22 forms and find auto insurance that meets state requirements.
What is an SR-22?
An SR-22 is a certificate filed by your insurance company that confirms you carry the minimum required liability coverage. It’s typically mandated for drivers who have committed certain violations, including:
- Operating a vehicle without valid insurance
- Driving without a license
- Being involved in multiple traffic offenses
- Causing at-fault accidents
- DUI or DWI convictions
You must maintain continuous insurance coverage with an SR-22 on file, usually for three years. Letting your policy lapse during that period can restart the penalty timeline or lead to further consequences.
How SR-22 Insurance Works
Once you purchase a qualifying policy, your insurance provider files the SR-22 directly with the state. You may need:
- Owner SR-22 coverage if you drive your own vehicle
- Non-owner SR-22 coverage if you do not own a vehicle but still drive occasionally
Required liability limits vary by state, but you may also be able to add coverage such as collision, comprehensive or uninsured motorist insurance for broader support.
Get Help Navigating the Process
At Hanway Insurance, we help drivers in Oak Lawn, IL move forward with the right SR-22 insurance policy, whether you own a vehicle or not. Contact us today to request a quote and get the filing process started quickly and efficiently.