SR22 Insurance, is a type of auto insurance that is often misunderstood by people in search of car insurance. Failing to file SR-22 when required to do so by the court, will result in your driver’s license being suspended or revoked as well as a large fine. Because of the large number of questions, below you will find answers to some of the most common SR22 questions.
What is an SR-22?
SR22 can be known by several different names. You might hear the car insurance called “financial responsibility insurance;” or referred to this type of “car insurance” as SR-22, or FR Filing , Some people just call it “Filing” insurance. These terms can be used interchangeably.
The “SR” in SR22, comes from the name of the form the state of Illinois requires- Safety Responsibility”. The important thing to remember is the need to have your insurance agent file the sr22 form with the Secretary of State’s office.
How is SR-22 different from “Car Insurance”?
Sr22 is a type of car insurance. SR-22 insurance varies little from normal auto liability insurance, the only real difference stems from the states requirement that the insurance company provide an “SR22 form”.
An SR-22 is for those drivers when a certificate is mandated by the state as a form of proof that verifies that you have auto insurance liability coverage.
Do I need an SR-22?
People whose license is under suspension by the Illinois Department of Motor vehicles need an SR22 Filing to reinstate their license. The are a variety of reason that you might be required to show proof of SR-22 filing, they include: drunk driving violations (DWI); suspensions from unpaid fines or parking violations; having an accident without car insurance; or having your license suspended for failing the emissions test.
Not everyone needs SR22 insurance. Typically, Safety Responsibility it is required by the court only for certain driving-related violations. Examples include: DUI convictions, reckless driving, accidents caused by uninsured drivers. If you need an SR-22, the courts or your state Motor Vehicle Department will notify you.
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