SR22 Insurance CertificatesChicago SR22 insurance is a certificate that is filed with the state in order to reinstate a revoked or suspended drivers license for a high-risk driver.
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How does SR22 Coverage Work?
By design, the SR22 policy makes it very difficult for a high-risk driver to operate a vehicle without maintaining proper insurance coverage. In Chicago, an SR22 insurance certificate serves as proof to the state’s Department of Motor Vehicles that a high-risk driver possesses the minimum required auto liability coverage. Accordingly, if there is a cancellation of or lapse in auto insurance coverage, the DMV will be promptly notified and the drivers license of the individual will be immediately cancelled with other penalties likely to occur. Depending on the violation, SR22 policies can range from one to five years..
Who Is Required To Carry SR22 Insurance?
SR22 coverage policies are required for individuals who have been convicted of serious motor-related violations. Typically, an individual will be notified of this requirement by their state's Motor Vehicle Department.
Violations that require an SR22 insurance policy include:
- DWI / DUI
- Failure to carry insurance
- Multiple moving violations
- Reckless driving
Basic Types Of SR22 Insurance Coverage:
- SR22 Car Insurance
- SR22 Motorcycle Insurance
- SR22 Non-Owners Insurance policy is for a driver who wants to possess a driver’s license, but is not the owner of a vehicle. The policy includes basic liability coverage, uninsured motorist bodily injury protection and uninsured motorist property damage.
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