What is an SR-22?
At United Auto Insurance, we know that being told you need an SR-22 can feel stressful, confusing and like you are the only one who needs this extra certificate. Luckily for you, we can help with all of those concerns – and you should know that needing an SR-22 is more common than you think. The most important thing to remember when you need an SR-22 is that this certificate should be taken seriously and you should be informed of all steps in the process. Let’s take a look at what you should do next and how United Auto Insurance can help you.
What Is An SR-22?
As defined by the Illinois Secretary of State, an SR-22 or Financial Responsibility Insurance is a certificate, generally ordered by a judge, required for individuals that have had multiple driving violations or issues and have had their license revoked or suspended. Essentially, SR-22 insurance is a way for the State of Illinois to monitor proof of liability insurance for certain drivers and to know if their coverage is cancelled or suspended. Remember, an SR-22 is not the same as having an insurance policy – you will need a policy in addition to having an SR-22.
What Type Of Drivers Need An SR-22?
Just because you are required to get an SR-22 does not mean you can’t come back from any sort of “bad standing” in your license. We’ll outline steps below of how to work through this process, but first here are some reasons you may need an SR-22:
- License being suspended or revoked
- Multiple traffic offenses
- Safety responsibility suspensions (i.e. DUIs, DWIs, or serious moving violations)
- License plates are expired
- Three or more convictions for insurance violations in maintaining coverage
How Long Do I Need an SR-22?
Depending on the state’s ruling, you may be required to maintain your SR-22 certificate from 1 to 3 years. When the SR-22 certificate or insurance needs to be renewed, you must contact your agent at United Auto Insurance at least 45 days before expiration.
What Happens If My SR-22 Is Cancelled?
If your insurance policy is cancelled, we are required to notify the Safety and Financial Responsibility Section. Your driving record will be suspended and can’t be reinstated until the insurance filing is up to date. Best piece of advice: do your best during the SR-22 period to make sure you don’t cancel your policy or let it lapse.