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Originally Posted On: Cheap SR-22 Insurance: What Does SR-22 Insurance Cover? | (insuredasap.com)
We all make mistakes. Sometimes these mistakes happen on the road. Fortunately, the state of Illinois makes it possible for drivers to get back on the road after an infraction. But to get your license back, you might need SR22 insurance. If you’re looking for cheap SR22 insurance, we’ve got you!
Keep reading to learn more about SR-22 car insurance and what to do if you need a policy.
What Is SR22 Car Insurance?
SR-22 insurance isn’t insurance, exactly. Instead, an SR-22 is a form that is filed with your state’s government that proves you are meeting your state’s minimum liability insurance requirements. An SR-22 is sometimes also called a certificate of financial liability.
Basically, it’s a document that proves you have a sufficient liability policy in place that will cover damages to others if you cause an accident.
In the State of Illinois, you must have a liability policy that provides at least $25,000/$50,000/$20,000 in coverage. This means that if you cause a covered accident, you have coverage for bodily injury in the amount of $25,000 per person with a maximum of $50,000 total for the accident. You also have coverage for up to $20,000 for damage to another person’s property.
Remember, this is the minimum amount of coverage you need to drive in Illinois. You may choose a policy with higher limits to protect your assets.
Who Needs SR-22 Insurance in Illinois?
In Illinois, drivers who are convicted of a serious traffic offense are required to have SR-22 documentation. Serious traffic offenses include DUIs, hit and runs, and reckless driving. You may also need an SR-22 after a license suspension.
In Illinois, you will need the SR-22 for 3 years. You must also maintain insurance coverage during these 3 years. If your insurance lapses, your time period will reset and you will have to pay any related fees again.
Non-Owners SR-22 Insurance
If you need SR-22 insurance but don’t own a car, you can purchase non-owner SR-22 insurance for just $14 per month. This is a type of secondary insurance that provides coverage when you don’t have a vehicle of your own to place on a policy.
How to Get an SR-22 Insurance Policy
In Illinois, it is easy to get an SR-22. In fact, your insurance company will file the form for you with your state’s licensing agency.
All you have to do is pay a fee to your insurance company and maintain your coverage for the entire 3 year period. The amount your insurance may increase is dependent on your violation.
Cheap SR22 Insurance in Chicago
Don’t let your past mistakes keep you off the road.
If you are in need of car insurance in Chicago, Illinois, we are here for you. We offer cheap SR22 insurance and will take care of filing with the state for you. All you have to do is contact us.
Click here to get a quote today.