Chicago SR22 Insurance – All You Need to Know!

Finding out you need SR22 insurance can be overwhelming without much knowledge of what this will mean for you as a driver. Insure on the Spot is here to help you understand exactly what SR22 insurance is and how to acquire your SR22 certificate.

What is SR22 Insurance and Do I Need It?

SR22 insurance is also referred to as a certificate of financial responsibility. An SR22 is not insurance exactly, but proof that you have coverage that meets state requirements. The SR22 will be sent by your insurance provider to the state to prove you are covered to drive.

There are several reasons why you might need an SR22, including:

• If you’ve received a DUI or DWI conviction
• If you were stopped for driving without insurance, or were in an accident without insurance
• If your license was suspended or revoked
• If you have been convicted of a traffic violation

But don’t worry – if you do need SR22 insurance, you will be made aware. You will either receive notice from your DMV/Secretary of State or be notified when the judge provides his ruling, should your SR-22 be ordered by a court.

How Expensive is an SR22?

The cost of your SR22 will depend on your insurance provider, so it’s important you go through a team you trust to give you the best possible rates. Your insurance provider will likely charge a processing fee, and the rates of your SR22 are likely to be higher than your prior insurance rates. Also make sure the provider you choose is knowledgeable on SR22s so you can feel confident asking any questions in relation to this.

Will I Need an SR22 Forever?

No, you will not need an SR22 forever – most drivers who are required to get SR22s will need them for 3 years. Some drivers with DUI convictions will need them for 5 years. The amount of time that an SR22 is required is specific to each case, so ensure you clarify with the DMV as to how long you will need it for if you are unsure.

Any Questions?

If you have any questions on Chicago SR22 insurance, need a FREE SR22 Quote, or would like to discuss your personal case with one of our trusted agents, do not hesitate to get in touch with Insure on the Spot today. We would be happy to discuss your situation and help you get back on the road with the SR22 you need.