What is SR-22 Insurance Coverage in Chicago and Do You Need It?

by | Aug 24, 2018 | Insurance

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So, you have learned you need SR-22 insurance coverage in Chicago, but you may not be exactly sure about just what that is the case or just what it is. Let’s allow the financial experts at NerdWallet to explain it for us: “known as a Statement of Responsibility, an SR-22 is an official document some states require to prove you have sufficient car insurance. The SR-22 allows you to keep or reinstate your driving privileges after serious or repeated traffic-related offenses, such as driving without insurance in an at-fault accident.”

Additionally, you may be told that you require SR-22 insurance coverage in Chicago if you have more than a single conviction for DWI or DUI, you’ve had your driver’s license revoked and you wish to have it reinstated, or you have been ticketed multiple times in a short span of time for traffic offenses such as speeding.

You probably learned that you’d require that SR-22 insurance coverage in Chicago when you were issued a form from the Department of Motor Vehicles or court order, yet you yourself cannot file the form you received via the DMV or courts. That is done for you by the insurance company willing to give you SR-22 insurance coverage in Chicago. Not all insurance firms will provide it, and they are not obliged to do so.

That is why the experts advise that you shop around between different insurance companies to determine if they can or do offer up the SR-22 coverage and then to compare which will give you the best coverage at the most reasonable price. As you might guess, anyone who requires SR-22 coverage might also be viewed as a bit of a risk, and they will actually require the coverage for at least three years after obtaining it.

So, you really do need to find the best pricing and terms because you will need it for several years. Depending upon the reason you need this specific type of coverage, you may find that certain firms offer it for specific reasons, but not for all.

You can turn to Illinois Automobile Insurance Agency to help you locate those providers who do extend coverage to drivers in need of SR-22 if they wish to reinstate their licenses or begin driving their own vehicles again. You can visit the site to learn more about your options, compare companies and pricing, and much more. You can also connect them on Facebook.

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