Drivers in Joliet range from good to bad. The state of Illinois is especially concerned about the bad drivers or those who operate their vehicles illegally. These drivers must normally seek out and obtain SR 22 Joliet Illinois insurance coverage. We will discuss more helpful details on this coverage and how to obtain a policy in the local area.
SR 22 insurance may be required for a number of important reasons. The first thing to be aware of is that all drivers must have a minimum amount of auto insurance on the vehicles they own or operate. Failure to do so may mean that they need to obtain SR 22 insurance if they want to continue to operate their vehicles legally.
This kind of insurance is also aimed at high risk drivers and it is supposed to help protect innocent citizens in the state from the problems caused by these higher risk drivers. So if a driver has been charged with a DUI or DWI infraction, that could certainly indicate that the driver is higher risk and would need to obtain SR 22 insurance coverage.
Also a driver who becomes involved in many traffic infractions and/or moving violations is probably a higher risk driver and should therefore be required to obtain SR 22 insurance coverage.
In addition a driver who is caught operating a vehicle with a suspended or revoked license is not only subject to fine or penalties but may also be required to obtain this special kind of auto insurance.
And irresponsible acts like leaving the scene of an accident may be just cause for obtaining SR 22 insurance.
If a driver needs to obtain this kind of coverage, it should be noted that a policy can be issued by many insurance companies throughout the state. The Internet is a great way to find a company and agency which specializes in this kind of insurance coverage. It is usually best to talk to someone who really understands this kind of coverage and who can recommend the best options and programs available.
Some companies even allow you to apply for coverage online. And by sending the required documents to the insurance company electronically, the coverage can usually be issued the same day. So it can help you to get back on the road as fast as possible.
Keep in mind that once you are required to have this kind of coverage, it needs to be in force for a period of at least three years. And this coverage must be continuous. The insurance companies are required to report the status of all policies and policy holders to the state on a regular basis. So if the policy has lapsed for any reason, the state will be notified and you will very likely be subject to some serious fines or penalties.
But if you maintain continuous coverage and avoid any further problems with your driving record, the need to maintain SR 22 insurance coverage may be dropped and you can convert to a more conventional policy.