There may be a time when it is necessary to obtain SR22 Insurance in Joliet. While this may be viewed as a real hassle and burden, it doesn’t necessarily have to be as big an issue as you might think. He is some further information about this kind of special coverage and how to obtain it.
SR22 insurance is designed primarily for high risk drivers. The goal in establishing this kind of insurance was to help protect innocent citizens from these kinds of drivers. There are a number of important reasons why someone might be required to obtain this kind of coverage. They can include the following:
- Operating a vehicle without proper insurance. In states like Illinois, it is mandatory that you maintain a minimum level of insurance. If you are caught operating a vehicle and have no insurance, then you are viewed as a significant risk to other drivers and would normally be required to obtain SR22 insurance.
- Driving under the influence or driving while intoxicated may be cause for SR22 coverage. Again someone who is charged with this type of crime runs a higher risk of creating an accident or causing damage to others.
- If you accumulate a lot of traffic infractions or moving violations over a short period of time, this may also indicate that you are a higher risk driver and need SR22 coverage.
- If you are involved in an accident and leave the scene, this is usually ample cause for SR22 insurance coverage requirements.
- A person who is caught operating a vehicle with a suspended license or a revoked license may have to obtain SR22 insurance coverage in order to operate the vehicle legally.
SR22 coverage is issued by most insurance companies in the state. If you search the Internet on the topic, you will find many companies and agents who can obtain this kind of coverage for you. Give them a call or check out their websites for further information.
In many cases you can obtain the coverage and necessary documentation the same time. Keep in mind that when an SR22 insurance policy is issued, the insurance company must notify the state. And you are normally required to maintain continuous coverage for a period of three years. If you stop paying or the policy lapses, then the insurance company is required to report this to the state. At that point, you could be liable for severe penalties or even jail time.
The state takes the requirement for SR22 insurance coverage very seriously. So if you do need to obtain and maintain this kind of coverage, make certain you keep it active and up to date. Do your best to maintain a good driving record over the period of time this coverage is required. Following this you should be able to convert back to a conventional policy.