Non-standard Auto Insurance and SR-22 Requirements in Chicago, IL
Non-standard auto insurance is designed for drivers who may not qualify for traditional policies due to their risk profile. Several factors can trigger the need for non-standard auto insurance, including a history of traffic violations or accidents and lapses in prior insurance coverage.
Non-standard auto policies typically come with higher premiums. Even so, drivers who must fulfill SR-22 filing requirements need coverage to meet the state’s minimum liability requirements. Non-standard policies are often the only available option for drivers who are considered high risk.
Understanding SR-22 Requirements in Illinois
An SR-22 is a certificate filed by an insurance company with the Illinois Secretary of State. It verifies that a driver is carrying the required liability coverage. This filing is typically required for drivers who have:
- Been convicted of a DUI or DWI
- Driven without insurance
- Accumulated multiple traffic violations in a short period
- Been involved in an at-fault accident without insurance
- Had their license suspended or revoked
The SR-22 must be maintained for a minimum of three years. During this time, the insurance policy must remain active without any lapses. If the policy is canceled or expires, the insurance company must notify the state, which can result in immediate suspension of the driver’s license.
Contact Us
Contact Real Auto Insurance Agency Inc. if you have questions about non-standard auto insurance or need help filing an SR-22 in Illinois.