SR-22 Insurance Quote Forms
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SR-22 Insurance Information
Quick Facts about SR-22 Insurance in Illinois
A Financial Responsibility Certificate, otherwise known as SR-22, notifies the Illinois Secretary of State of any lapse in coverage that you may have in your policy. Hanway Auto Insurance can provide you with an affordable SR-22 insurance documenting that an individual has the minimum liability insurance as required by law. Insurance carriers also automatically notify the Illinois Secretary of State (SOS) when an SR-22 has a lapses in coverage.
If you have lost driving privileges or your license has been suspended or revoked as the result of a car crash, conviction, or judgment, you are required to file an SR-22 with the SOS and maintain coverage for 3 years starting from the date of the conviction. An insurance card or policy will not be accepted in place of an SR-22. For more details, call any of our locations today.
What Are The Most Common Reasons Drivers Get An SR-22?
Drivers can request an SR-22 for numerous reasons. Here are some of the most common reasons for an SR-22 filing:
- Failure to show proof of auto insurance
- A DUI or DWI or any serious moving violation
- An at-fault accident while driving without insurance
- Repeat traffic offenses or too many tickets in a short time period
- A revoked or suspended license
How Much Does an SR-22 Insurance Cost In Illinois?
Car insurance companies often charge a small amount as a one-time fee for an SR-22 insurance filing. If you’ve been requested to file an SR-22 you’ll first have to get state minimum coverage and have an SR-22 filing added on to your policy. If you already have auto insurance and the state has requested an SR-22 filing then an endorsement could be made to add a SR-22 filing to your policy. If you are not currently covered get a quote from your Hanway agent for a new auto insurance policy and make sure to tell them you also need a SR-22 filed with the Illinois Secretary of State.
Will A SR-22 Filing Raise My Illinois Auto Insurance Rates?
It is likely that having an SR-22 filed with the state would increase your insurance rates. Depending on the reason you’re filing an SR-22 would determine the increase in your rates. If your rates increased because of any reason call a Hanway agent and see if we can help you find the same quality insurance at a the lowest possible rate.
What is an SR-22?
An SR-22 is an insurance document that shows proof of financial responsibility and verification of auto liability coverage. The DMV may require you to provide an SR-22 in addition to your car insurance if you drive under the influence of a drug or alcohol, drive without proper insurance, are a habitual traffic offender, or are involved in a motor vehicle accident.
How does an SR-22 affect you?
An SR-22 must be carried for a designated time period, depending on the severity of your violations. Most offenders can expect to have an SR-22 for up to three years. During this time, you must maintain continuous liability coverage. Any break in coverage will be reported to the state, resulting in the suspension of your license. On top of securing adequate insurance, drivers with an SR-22 status should adhere to traffic laws and refrain from driving after alcohol consumption. After the proper fulfillment of this time period, a driver’s SR-22 status will expire, and driving privileges will be restored.
How much does an SR-22 cost?
The cost of premiums varies depending on the severity of your violations. Minor offenses, such as neglecting to pay a parking ticket, are often paired with more affordable policies. However, major offenses, such as drinking under the influence, are more likely to raise your premiums. To get a free quote, call us today for more information on SR-22 insurance.