If you find yourself needing this kind of special coverage in this local area, here are some suggestions to help you to find SR 22 Elgin insurance.
It is a state law that all vehicles which are registered in the state of Illinois carry a minimum amount of insurance. If a driver does not have this kind of coverage of if they get involved in circumstances which puts them and others at increased risk while driving a vehicle then they may be required to obtain this kind of coverage. Some examples are as follows.
As noted earlier, if a driver is caught operating a vehicle with no insurance coverage, then he/she is viewed as someone who poses a higher risk to themselves and others on the road. This may necessitate the issue of SR 22 coverage.
Or if a driver is charged with either a DUI or DWI, this may also cause that driver to obtain SR 22 coverage.
If a driver gets involved in several accidents or moving violations over a short period of time, then that driver is viewed as high risk and may be required to obtain SR 22 coverage.
This special kind of coverage is issued by many insurance companies throughout the state. If it is required in your case, you can search the Internet to find agencies or companies which can issue this kind of coverage. It is generally not a difficult process although the cost of this coverage will generally be higher than regular insurance coverage.
However it may be the only way for a driver to operate a vehicle in the state legally. Once coverage has been obtained, the insurance is required to report the issuance of this coverage to the state. This kind of policy is normally required to be in force for a period of three years. However if the policy holder does not pay for the coverage and it lapses, this change in status must be reported to the state. If this occurs, the driver may be subject to serious fines or even jail time.
It is therefore very important to note that if you are required to obtain this coverage, keep it in force for the full amount of time required. At the end of three years, it is usually possible to convert to a regular policy as long as your driving record has not been unduly affected.