Non-owners SR22- Why do I need insurance if I don't have a car?

[la...@urbaninsuranceagency.com]

If you do not own a car, and do not have a car that you regularly
drive, then you do not need Auto insurance. The exception is if you
were ordered by the court to Show proof of SR22 coverage. This would by
the result of you being found guilty of a ticket for driving with-out
insurance, DUI, or other traffic violation.
SR22 is actually the name of the form used by insurance companies to
notify the state that an insured has the required insurance coverage.
People will sometime refer this car insurance as SR-22, or FR Filing or
sometimes as just "Filing" insurance. While insurance is mandatory
in Illinois, most drivers are not required to purchase SR22 insurance.
If you are required to file an SR22 then an insurance company must
submit the form in order to remove a suspension order placed by the
Illinois Secretary of State's office on your driving privileges. The
reason for the filing is to provide a certification to the Illinois
Department of Motor Vehicles that your insurance company has issued a
policy of at least the required minimum liability coverage, and that
your insurance company will notify the Illinois Secretary of State
should the insurance ever lapse for any reason.
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