Getting an SR-22 Insurance Policy in Chicago

If you have been notified you are required to obtain an SR-22 insurance policy in Chicago, you might be confused and frustrated as you search for companies that can provide this type of policy. Here are some things to consider when searching for SR-22 insurance.

Why Do You Need an SR-22 Insurance Policy?

If you were caught driving without insurance, involved in a motor vehicle accident while driving without insurance, driving with a suspended license, receive a large number of traffic tickets in a short period of time or were found to be driving under the influence, you may be required to carry a different type of car insurance known as an SR-22 insurance policy. This is typically ordered by the courts as part of your punishment, marking you as an increased risk.

How Is an SR-22 Insurance Policy Different from a Regular Insurance Policy?

An SR-22 insurance policy is a state required type of insurance that guarantees you have the proper coverage to handle the financial responsibility of an accident. This type of insurance is designed to allow you to maintain your driving privileges when you are considered a high-risk driver due to past behaviors.

How Long Will You Need an SR-22 Insurance Policy?

You will be required to carry SR-22 insurance for a minimum of three years. However, some drivers may be required to carry it for a longer time period.

Driving Without an SR-22 Insurance Policy

Getting back and forth to work, running errands and living your normal life without a car can be extremely frustrating. If you are required to have an SR-22 insurance policy in Chicago and you don’t have it, your driving privileges will remain suspended until you do. Driving without this required insurance can have serious consequences.