An SR-22 is something many
Illinois drivers have never heard of, that is until they get in
trouble with the law. SR-22
is not technically an insurance policy; it is a document that is kept
on file with the state. The document is proof you are covered by the
minimum car insurance required by law.
Who needs an SR-22?
An SR-22 is a document that is
ordered by the court. Your insurance company files the document with
the Drivers Services Department in Illinois. An SR-22 must be filed
if you lost your driver’s license because you were convicted of a
serious driving offense. Some of the reasons you might need the form
Driving without enough
Convicted of DUI or DWI
Repeat offenses in a short
Refusal to pay court-ordered
If you are insured and ordered
by the court to obtain an SR-22, you can add it to your existing car
insurance policy. If you do not have car insurance and need to
purchase a policy, explain your situation to the insurance company.
The best insurance companies can prepare and provide an SR-22
How Long Is an SR-22
Although the period differs by
state, in Illinois, the SR-22 is in force for three years. As long as
you have had car insurance for that period, the demand expires. In
the event you let your car insurance lapse or expire, the insurance
company is obliged to notify the authorities. If this should happen,
your driver’s license will be suspended again.
There are alternatives to an
SR-22, but they are far more expensive. In place of the document, you
can deposit $70,000 in cash or securities or offer a surety or
If you need SR-22 insurance
certification, you are invited to contact Accurate
in Illinois. For further information, visit
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