Sr22 insurance in Illinois can be confusing. If you have never been required to supply an Sr22 insurance in Illinois, you likely do not know where to get started. Understanding your options and how the Sr22 works can help you to navigate the process a bit easier. It is important to understand what this certificate is and why it is so important.
What is it?
If you have had an accident and been found at fall or you have been charged with a DUI and Sr22 can be imposed by the court. It is simply a certificate of financial responsibility showing that you have specific insurance coverage. The Sr22 is a document that satisfies the court and that will allow you to drive. Typically, the following requirements are part of the requirements:
* Specific time requirements
* Amount of required coverage
* Non-owner/owner designation
The Time Requirements
The court may require you to maintain an Sr22 certification for 1-3 years and each time the policy is renewed a new certificate must be issued. It is important that you keep the coverage in place for the entire duration of the court order. An insurance agent will help you to manage the time requirements to ensure that you comply with court orders.
Owner/Non-Owner Coverage
Whether you own a vehicle or not if you plan on driving you may still need to have an Sr22 in place. The laws are very clear about what is required and you must comply to avoid heavy penalties and fines. The “safety requirement” certificate may even have to be filed with the court.
Professional Help
Using an agent that specializes in auto insurance can help you to get the certificate you need at a cost you can afford. Of course, you also get the expert advice that you need to make an informed decision. Accurate Auto Insurance can help!
