There are good drivers and bad drivers in every state in this nation. However for some states including Illinois they have set up a requirement for special insurance coverage for those drivers who are judged to be at high risk. We will discuss some of the factors involved as well as how this type of coverage can keep drivers who might otherwise be unable to operate a vehicle legally.
The requirement for SR22 insurance coverage can be based on a number of important factors. Some of them include the following:
- Driving with a suspended license
- Driving with a revoked license
- Driving while under the influence of alcohol or drugs
- Involvement in numerous traffic infractions or moving violations over a short period of time.
- Driving a vehicle without at least a minimum amount of insurance coverage.
- Failure to pay alimony or child support.
- Involvement in an at fault accident and then leaving the scene of the accident.
Drivers who are involved in any number of these situations can be in a very difficult situation. They may be subject to serious fines and possibly even jail time. And if they intend to continue to operate a vehicle they can only do so if they have obtained this special type of coverage called SR22 insurance.
The insurance is available from many insurance companies. There are a number of ways in which to shop for and obtain this type of coverage. If you look through a local directory like the Yellow Pages, you may find advertisements of companies or agents who can quote and issue these types of policies.
Since the cost of the coverage can vary among different companies it is a good idea to shop around. One very convenient way to price shop is to use the Internet. You can obtain the websites of agents or companies which can issue this type of coverage. The coverage can be quoted quickly and if desired issued fast as well.
For some websites, the quoting of a policy, confirmation, payment and issuance can all be done the same day.
Keep in mind that it is normally required to carry this type of coverage for three years. The insurance companies must report this information to the state. If a policy holder keeps his/her coverage in force for three years continuously and avoids any further problems, he/she can switch back to a regular car insurance policy after the three year period.
But it is important to note that for some drivers, obtaining an SR22 insurance policy may be the only way for that driver to operate his/her vehicle legally. Otherwise the person involved could face serious fines or even more serious consequences like jail time.