Sr22 Insurance in Chicago: Everything you Need to Know

When it comes to car insurance, there are a lot of options available. But if you’ve been convicted of a DUI or other serious driving offense, you’ll likely need to get an SR22 insurance policy. SR22 insurance is a type of car insurance that’s designed for high-risk drivers. In this article, we’ll take a closer look at SR22 insurance in Chicago and answer some of the most common questions about this type of policy.

What is SR22 insurance in Chicago?

SR22 insurance is a type of car insurance that’s required for high-risk drivers in Illinois. It’s called an SR22 because it’s a certificate that the insurance company files with the Illinois Secretary of State’s office. This certificate is proof that you have the minimum required amount of car insurance coverage.

If you’ve been convicted of a DUI or other serious driving offense, the state of Illinois will likely require you to get SR22 insurance in order to get your driver’s license back.

Who needs SR22 insurance in Chicago?

If you’ve been convicted of a DUI or other serious driving offense, you’ll likely need to get SR22 insurance in order to get your driver’s license back. You may also need to get SR22 insurance if you’ve been caught driving without insurance or if you’ve been involved in an accident without insurance.

It’s important to note that not all insurance companies offer SR22 insurance policies. If you need SR22 insurance, you’ll need to find an insurance company that offers this type of policy.

What does SR22 insurance cover?

SR22 insurance covers the minimum amount of liability insurance that’s required by law in Illinois. The minimum amount of liability insurance is:

It’s important to note that SR22 insurance only covers liability insurance. It does not cover collision, comprehensive, or other types of insurance coverage.

How to get SR22 insurance in Chicago?

If you need to get SR22 insurance in Chicago, you’ll need to find an insurance company that offers this type of policy. Not all insurance companies offer SR22 insurance, so you may need to shop around to find a company that does.

You’ll need to provide the insurance company with some information, including:

• Your name and address
• Your driver’s license number
• Your vehicle information
• The reason why you need SR22 insurance

Once you’ve provided this information, the insurance company will file the SR22 certificate with the Illinois Secretary of State’s office. You’ll then be able to get your driver’s license reinstated.

How much does SR22 insurance cost in Chicago?

The cost of SR22 insurance in Chicago can vary depending on a number of factors, including your driving record, your age, the type of car you drive, and the amount of coverage you need. Typically, SR22 insurance is more expensive than standard car insurance.

You can get a quote for SR22 insurance by contacting an insurance company that offers this type of policy. Be sure to shop around and compare prices from different companies to get the best deal.

Conclusion

SR22 insurance is a type of car insurance that’s designed for high-risk drivers in Chicago. If you’ve been convicted of a DUI or other serious driving offense, you’ll likely need to get SR22 insurance in order to get your driver’s license back. It’s important to find an insurance company that offers this type of policy and to shop around to get the best deal. If you have any questions about SR22 insurance, be sure to contact an insurance professional for more information.

FAQs

1. How long do I need to have SR22 insurance in Chicago?

The length of time that you’ll need to have SR22 insurance in Chicago can vary depending on the specifics of your case. Typically, you’ll need to have SR22 insurance for at least three years. However, if you are caught driving without insurance during that time, the clock will reset and you’ll need to have SR22 insurance for another three years.

2. What happens if I don’t have SR22 insurance in Chicago?

If you’re required to have SR22 insurance in Chicago and you don’t have it, your driver’s license will be suspended. If you’re caught driving without insurance, you could face additional fines or even jail time.

3. Can I cancel my SR22 insurance policy in Chicago?

Yes, you can cancel your SR22 insurance policy in Chicago. However, you’ll need to make sure that you have another type of car insurance in place before you cancel your SR22 policy. If you cancel your SR22 policy without having another type of car insurance in place, your driver’s license could be suspended.

4. Can I get SR22 insurance if I don’t own a car?

Yes, you can get SR22 insurance in Chicago even if you don’t own a car. You’ll need to get a non-owner SR22 policy, which provides liability coverage when you’re driving a car that you don’t own.

5. What happens if I move to another state?

If you move to another state, you’ll need to follow that state’s requirements for high-risk drivers. Your SR22 insurance policy may not be valid in the new state, so you’ll need to contact an insurance professional for more information.