SR-22 in Joliet, IL
An SR-22 is a certificate your auto insurer files with your state to confirm you have the required liability coverage. Drivers often need it after a serious driving infraction or lapse in coverage.
Who Needs an SR-22?
A court or your state’s Department of Motor Vehicles wi
ll notify you if you need an SR-22. You may be required to carry this certificate if you:
- Are convicted of driving under the influence or while intoxicated
- Have multiple traffic offenses in a short period
- Drive without a valid license or insurance
- Are involved in an at-fault accident without coverage
- Have a suspended or revoked driver’s license
- Fail to pay court-ordered child support
Not carrying an SR-22 when mandated can lead to losing your driving privileges and facing legal and financial penalties until you comply with the requirement.
How Much Do They Cost?
The cost to file an SR-22 is generally low. However, you may face higher insurance premiums because drivers needing SR-22 are often considered high-risk. Factors that impact your premiums include:
- Driving record and violation severity
- Time since your last offense
- Your age and location
- Type of vehicle you drive
- Length of time the SR-22 is required
These variables typically result in higher overall rates, but costs can decrease with time and responsible driving.
Additionally, if your SR-22 requirement stems from a non-driving issue or isn’t related to a lapse in auto coverage, it may not significantly affect your insurance premiums. For instance, if a court mandates an SR-22 due to unpaid child support, it’s unlikely to influence your rates.
How Do I Get an SR-22?
Contact your auto insurance company to request the filing. If your insurer does not offer SR-22 filings, you may need to find one that does. The insurer will submit the form to the state on your behalf. Once processed, you’ll receive confirmation and can proceed with license reinstatement if applicable. Maintaining continuous coverage is crucial while the SR-22 is required, as any lapse can restart the filing period or lead to further penalties.
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Insure One Way is here to help answer any questions you may have about SR-22. Contact us today to learn more.