What is SR 22 Insurance?

Depending on the circumstances of a speeding ticket, moving violation, or arrest and conviction for drunk driving, a driver’s license may be taken away by the state. When a license is reinstated by the state following being taken away, the driver, like all drivers, will be required to have insurance. Unlike ordinary drivers who have not had their license taken away, these drivers are required to have SR-22 insurance.

An SR-22 insurance policy is a policy that carries with it a certificate of insurance that can be shown to the department of motor vehicles or a comparable department as required by law. SR-22 motor vehicle liability insurance requires that the company insuring the driver certify coverage to the motor vehicle department. The insurance company is also required to notify the DMV if, at any time, the driver cancels, terminates, or allows the policy to lapse.

A driver does not need to own a car to buy this kind of insurance. For drivers that do not own a car, it is possible to secure a non-owner SR-22 policy.

SR-22 insurance policies are typically required by a state before a person can have his or her privileges to drive reinstated after they have been suspended or revoked. When a person is required to show proof of SR-22 insurance before getting a license back, the driver must obtain a copy of the insurance binder or of his or her application for the binder. 

For the majority of offenses that resulted in a revoked license, the driver must have this type of insurance for three years from the last day of revocation.

Contact an Illinois Car Insurance Policy

If you have had your license revoked and would like to know more about SR-22 insurance, contact the auto insurance experts of Insure on the Spot at 888-972-7283.