SR-22 in Chicago, IL
Being ordered to file an SR‑22 can raise questions about the filing process and next steps. Real Auto Insurance Agency Inc. can help drivers throughout Illinois navigate these requirements.
Understanding the SR-22 Requirement
There are several reasons a driver may need to file an SR‑22, such as a DUI conviction, an insurance lapse or multiple traffic violations within a short period. When required, an insurance provider must submit the certificate electronically to the appropriate state agency to confirm active coverage.
What Are the Steps to Get an SR‑22?
Filing an SR‑22 generally requires the following steps:
- Contacting an insurance provider that can file SR‑22s in the state.
- Purchasing at least the state’s minimum required auto liability coverage.
- Having the insurer submit the SR‑22 form to the appropriate state agency.
Once submitted, the insurer may confirm the filing and notify the state. Continuous coverage is important, as any gap can lead to penalties.
What Should You Do if Your SR-22 Is Canceled?
If an SR‑22 is canceled or coverage lapses, the insurer may be required to notify the state. This can result in a suspended license, extra penalties, additional fees and having to restart your requirement period. A new SR‑22 filing and reinstatement costs may be needed to regain driving privileges. It can be helpful to discuss potential costs with an insurance provider before getting started.
What Factors Can Influence Your Cost?
While the SR‑22 filing fee itself is usually a small administrative cost, overall insurance premiums may change based on the underlying violation that led to the requirement. Factors such as driving history, the type of vehicle insured and location can also affect rates.
Our Team Can Help
Contact Real Auto Insurance Agency Inc. today to learn more about our services and get a free custom quote.