What Is the SR-22?

If you have been found liable for a motor vehicle accident or convicted of certain traffic violations, the consequences can include a serious drain on your finances. In addition to covering the related expenses of property repairs and medical bills, you may be penalized with fines and increased insurance premiums. One penalty may be the requirement to file an SR-22 form with the Illinois Department of Driver Services.

If you have accidents or tickets on your driving record, finding affordable auto insurance can become very difficult. At Insure on the Spot, we can help you review your options and select a reliable insurance provider regardless of your record. To learn more, call our Chicago motor vehicle insurance agents at 773-202-5060.

How SR-22’s Work

If you have been convicted of certain kinds of negligent driving, you may have to contact your insurance company and ask them for an SR-22 form. This is a way of alerting your insurance provider and the state to your conviction, so they can ensure that you maintain the required level of insurance coverage. If you are ordered to have an SR-22 form filed, it will be in effect for the next three years.

Unfortunately, during this time period, your insurance coverage may greatly increase. This is because your record makes you a “risk” from the insurance company’s perspective. In fact, some companies do not even offer the service of filing SR-22 forms – instead, they may simply drop your policy.

If you have lost your insurance policy or have seen your premiums skyrocket after filing an SR-22, Insure on the Spot can help you investigate your alternatives. Our Chicagoland auto insurance agents can provide efficient customer service and free insurance quotes from a variety of providers.

Contact Us

Having a mark on your driver’s record should not ruin your finances. To learn about affordable Chicago auto insurance policies available to you, contact Insure on the Spot at 773-202-5060.