What is SR-22 Financial Liability Insurance?

If you violate certain motor vehicle laws and have either your license or license plates revoked, there are certain steps you must take before you can legally begin driving again. Illinois state law mandates that you obtain SR-22 financial responsibility insurance and the corresponding SR-22 certificate before being re-issued your license or license plates. Typically, the DMV will notify an individual if he or she needs to obtain SR-22 insurance.

What Offenses Warrant SR-22 Financial Liability Insurance?

An insurance company issues SR-22 insurance, also known as financial responsibility insurance, to individuals who are required by state law to acquire it. Not all traffic law violations mandate the purchase of SR-22. Some of the laws in Illinois that do include the following:

• DUI or DWI offense
• Inability to provide proof of insurance when asked by an officer to do so
• Being involved in an uninsured traffic accident
• Attempting to attain a hardship license
• Reckless driving

Any of these violations can result in the revocation of a driver’s license, and in individual is therefore required to attain SR-22 insurance prior to the return of his or her driving privilege.

What is the SR-22 Form?

A SR-22 form is not the insurance itself; rather, it is the certificate proving that the driver does in fact have financial responsibility insurance. This form is the only thing considered to be adequate for the reinstatement of one’s driver’s license. There are three SR-22 options for those wishing to purchase this type of coverage:

• Owner’s Certificate
• Non-owner/Operator’s Certificate
• Owner/Operator’s Certificate

Depending on several factors, you will select one of those three options to fit your needs.

Contact Us

If you would like to purchase SR-22 Financial Responsibility Insurance, then the Chicago insurance agents of Insure on the Spot can help you. Please call our offices today at 888-972-7283 to schedule an appointment.