What is an Sr22?
An SR-22 is a certificate of financial responsibility. This cerificate guarantees you carry the minimum amount of insurance required by state law. It is also a requirement for anyone who has an Sr22, to have it for a set amount of years. This ranges from two to five years.
Who is an Sr22 for?
Sr22’s are only required for certain drivers. This includes drivers with safety responsibility suspensions, unsatisfied judgment suspensions, revocations and mandatory insurance supervision. This includes individuals that have received three or more convictions for insurance violations.
Forms of Sr22
The Operator’s Certificate covers the driver in any non-owned vehicle. An Owner’s Certificate covers cars owned by the driver. The type of vehicle or vehicles must be listed on the Sr-22 form. Operators-owners certificate covers all cars owned and not owned by the driver.
If the Sr-22 expires or is canceled, then your provider will have to notify the Safety and Financial Responsibility Section. This will remain in effect until the financial responsibility filing has been reinstated.
When must you renew an Sr22?
Sr22 insurance must be renewed at least 45 days before it ends. This will let you avoid any suspensions to your license.
Reasons to file an Sr22
The common reasons to file a financial responsibility certificates are:
- DUI/DWI convictions
- Driving uninsured
- Driving without a license
- A revoked or suspended license
The costs of an Sr22 varies from state to state and per-person. It also ranges depending on the provider of the insurance. However, Sr22 forms are for high-risk drivers, so the higher the risk, the most likely you are to pay higher rates.
How to get Sr22?
To get the cheapest Sr22 insurance in Illinois you can contact us at Insurance Navy. We will provide you with the best service to get you back on the road quickly.