For those drivers who operate vehicles in certain states including Illinois, there may be circumstances when SR 22 filings may be required. We’ll review what these are and how you can get them.
SR 22 filings are documents which show proof of financial responsibility. They may be required for drivers who may have been caught driving in the state without adequate auto insurance coverage. They may also be required for a number of other reasons including:
Being charged with a DUI, DWI or other serious moving violation
Having repeated traffic offenses or too many tickets within a short period of time
Having a license suspension or driving with a revoked license
If you are required to have SR 22 filings, you may need to keep it in force for three years on the average. You must also maintain continuous insurance coverage over that time period before the SR 22 status is removed. If your insurance policy lapses or is cancelled, the insurance company which issues your SR 22 is required to notify the state and it may cause your license to be suspended again.
Your insurance company will typically file the SR 22 with the state on your behalf. At this point, it should allow you to legally operate a vehicle.
But keep in mind that SR 22 requirements can vary depending on the state involved. Also if you move from one state to another, you must still fulfill your SR 22 requirements for the former state even if you no longer reside there.
If you have any questions on what is required, it is a good idea to consult with an insurance company which provides coverage for the state in question. They can often provide you with details, procedures and prices.
The cost for this kind of coverage is certainly higher than for a policy which does not require this. However because it tends to cover high risk drivers, this is understandable.
There is also helpful information which you can find on the Internet. Some of it can be found on state sponsored websites. The state which requires this coverage wants to make certain that you understand completely what it required and that you are in compliance with the law.
If you follow proper procedure and obtain necessary coverage to initiate and complete your SR 22 filings, you should little trouble operating your vehicle as long as you don’t break more traffic laws or fail to maintain adequate coverage.
This is often the only way in which a driver can operate a motor vehicle within the state in question. Otherwise they would be unable to do so legally. So use this opportunity as a second chance to correct problems you may have created for yourself. Sticking with the program will eventually allow you to drive without this coverage.