All kinds of drivers are on the roads throughout Illinois. For some drivers in this local area who are felt to pose a higher risk to other citizens, the requirement for SR 22 insurance Rolling Meadows may be applicable to them. We will discuss some more details about this special kind of insurance coverage and how it can be obtained.
SR 22 insurance is generally required for drivers who are felt to be higher risk and pose a potential threat to other drives and citizens in the state. There are a number of circumstances which can cause a registered driver to obtain this kind of coverage. Some of the more common factors include:
- It is a state law that all vehicles be insured with at least a minimum amount of coverage. If your vehicle is stopped and does not have this minimum coverage, you may very well be subject to the requirement to obtain SR 22 insurance.
- High risk drivers are often subject to SR 22 insurance. So if you are involved in and charged with a DUI or DWI infraction, you may have to obtain this special type of coverage.
- A driver who is stopped and does not have a valid license may be subject to fines, penalties and the requirement for SR 22 insurance.
- If you are involved in many moving violations and traffic infractions over a fairly short period of time, this is generally viewed as high risk driving behavior and could lead to the need for SR 22 insurance coverage.
- Leaving the scene of an accident before it has been reported to the authorities can often result in the driver having to obtain SR 22 insurance coverage.
Many insurance companies throughout the state offer this kind of coverage. If you perform a Google search on the topic, you can find insurance companies and agencies which can issue such a policy. In some cases the cost of the policy can be quoted online and the policy itself can be issued online very quickly. If you need this coverage immediately, it is possible to search for and obtain this kind of coverage the very same day.
SR 22 insurance is normally required to be carried for a period of three years. If you maintain adequate coverage and avoid further driving problems, you can usually go back to a conventional policy. But keep in mind that the insurance companies must report information on all policyholders for SR 22 insurance.
If your policy lapses, this information is also reported and you may be subject to significant fines and penalties. So keep your coverage in force and maintain a good driving history to avoid further problems.