SR-22 Insurance in Illinois
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SR-22 insurance, also known as a Certificate of Financial Responsibility, is typically given to people involved in car-related incidents, such as driving under the influence or speeding.
Contrary to what most people know, SR-22 insurance is not actually an insurance policy. Instead, it’s a certificate or form attached to your existing insurance policy that proves you have at least the minimum coverage mandated by the state.
There are different nuances when it comes to SR-22 in the other states. This article will specifically discuss SR-22 insurance in Illinois.
Illinois SR-22 Insurance
SR-22 insurance, also known as a Certificate of Financial Responsibility or SR-22, is typically given to people involved in car-related incidents, such as driving under the influence or speeding. For those in Illinois, this is often referred to as SR-22 insurance Illinois.
Contrary to what most people know, SR-22 insurance is not actually an insurance policy. Instead, it’s a certificate or form attached to your existing insurance policy that proves you have at least the minimum liability coverage mandated by the state of Illinois, commonly known as SR-22 insurance Illinois.
There are different nuances when it comes to SR-22 in other states. This article will specifically discuss SR-22 insurance in Illinois, often referred to as SR-22 insurance Illinois.
What is SR22 insurance in Illinois?
All the states, including Illinois, take not paying liability insurance seriously.
This is because your driving is a matter of public good – in case of a vehicular accident, drivers should be responsible enough to be able to pay the minimum amount required through adequate vehicle insurance coverage.
According to the 2021 census, the population of IllinoisThe population is estimated to be around 12.7 million people. This means that there are many people who could be put in danger by a careless driver, especially one without insurance.
Therefore, Illinois drivers who were found to have done a driving-related offense are required to get an SR-22 certificate if they want their driving privileges reinstated after a license suspension.
Illinois SR-22 Insurance Requirements
Drivers who committed serious driving-related offenses will be required to get an SR-22 certificate before they can be awarded a temporary license. Examples of these violations include the following, marking them as high risk drivers under SR-22 insurance Illinois.
- DWI or DUI.Driving while impaired or under the influence means that you have been caught driving while being incapable of doing so, e.g., drunk or intoxicated, which is a serious offense often linked to driving without insurance.
- Failure to Carry Insurance.Most states, including Illinois, have insurance requirements for drivers. This is to ensure that even if you’re held liable for an accident, you’ll be able to afford the financial responsibility insurance. In fact, driving without auto insurance is not allowed in all states. You must make sure to have your car insured; if not, you could have your driver’s license suspended or revoked under insurance regulations Illinois.
- Moving Violations.These types of violations occur while the car you are driving is in motion. Such offenses include texting while driving or running a red light, etc. While one violation may not be enough to warrant an SR-22 by itself, they do stack up.
- Reckless Driving.If you’re driving dangerously or in places where you shouldn’t be, you may be charged with reckless driving and required to file an SR-22.
How Much is SR-22 Insurance in Illinois?
As mentioned previously, SR-22 is not an auto insurance policy in itself. However, it does come with its own set of costs, including the SR-22 insurance cost.
The first is the filing cost, which typically ranges from $15 to $30, depending on your SR22 insurance provider’s rates.
The second is the increased cost of your current insurance policy. Once you’re required to file an SR-22, your insurance provider will recognize you as a high-risk driver and adjust your rates accordingly.
Since searching for an insurer that offers an SR-22 insurance certificate is similar to shopping around for insurance rates, it’s challenging to provide an accurate estimate of how much your policy might now cost. However, exploring cheap SR22 insurance in Illinois and comparing SR22 car insurance quotes can help you find the most affordable deal.
However, if you secure your Illinois SR22 insurance certificate through Magnum, you can be confident that our licensed agents will collaborate with you to find a quote that’s within your budget, offering cheap SR22 insurance in Chicago.
How to Get SR-22 Insurance in Illinois
Getting SR-22 insurance begins with a notification from the Illinois Secretary of State’s office. They will email you to inform you of your status as a high-risk driver and instruct you to file for an SR-22 certificate.
Next, you’ll need to contact your insurance provider, notifying them of your new SR-22 requirement. Since not all insurers offer this service, they may reject you and cancel your policy immediately, prompting you to find another provider. If they do accept your SR-22 requirement, expect an increase in your rates.
Once that’s done, pay the filing fee and wait for your provider to issue your SR-22 certificate.
Getting an SR-22 in Illinois with Magnum Insurance
Being required to get SR22 insurance in Chicago can be a stressful experience for many, especially if you’re not with the right provider. Finding reliable Chicago SR22 insurance can significantly smooth out the process.
Luckily, Magnum Insurance is focused on providing customer-centric service that aims to give you the protection that you need. If you need SR-22 insurance in Illinois, feel free to give us a call today! Our expertise in sr 22 insurance chicago ensures that you get the best coverage tailored to your needs, and we also offer cheap sr22 insurance chicago options to fit your budget.
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