Particularly for drivers in Illinois, the need for SR22 insurance may be necessary depending on circumstances involved. If this is the case then you need to make sure your insurance company initiates and processes and SR22 filing. This process will be reviewed further here.
SR22 insurance filings are required to be made for drivers who are viewed as high risk. This is often required due to a variety of circumstances which can range from excessive traffic infractions; driving without a valid license; driving while intoxicated; involvement in an at fault accident and then leaving the scene of the accident; or driving without proper insurance in the first place.
There are other factors which can cause someone to have to arrange for an SR22 filing with their insurance company. If this does occur then there are several things which must be done.
First of all the driver must contact an insurance which issues SR22 coverage and make the necessary arrangements. This can be done through an authorized agent or direct with the company. Once the policy has been priced, approved and issued then it is up to the insurance company to file the SR22 insurance information with the state.
Anyone who is required to have SR22 coverage must normally keep it in continuous force for three years. The insurance companies must file this information with the state. And if the insured party lets the coverage lapse then the insurance companies must also notify the state of this situation.
If the coverage does lapse there are serious consequences involved. This can range from penalties up to and including jail time. So it is very important to make sure that the state is properly notified of your continuous coverage.
For those drivers who do maintain proper coverage for three years and don’t get involved in any more serious infractions the requirement for SR22 insurance normally drops off at the conclusion and the drivers can switch to a conventional policy.
If you would like to get more information on this type of coverage as well as further details on filing and record keeping, there is much helpful information on the Internet. Go to Google and type in the appropriate keywords for a listing of sites which can provide this helpful information. Or contact an insurance agent who deals with this type of insurance for more information. Either way it is important to understand the requirements and procedures in order to avoid any problems later on.