Do I Need SR-22
la...@urbaninsuranceagency.com
I went to court in Chicago and was ordered to show proof of SR22; what
is an SR22.
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.
Why do I Need a SR-22 Filing when most people don't?
People whose license is under suspension by the Illinois Department of
Motor vehicles need an SR22 Filing to reinstate their license. The are
a variety of reason that you might be required to show proof of SR-22
filing, they include: drunk driving violations (DWI); suspensions from
unpaid fines or parking violations; having an accident without car
insurance; or having your license suspended for failing the emissions
test.
In addition to getting an SR22 Filing, what else do I need to do to
reactivate my driver's license?
In Order To Reinstate Your License, You Must Do One Of The Following:
If the cause of the SR22 is a "Judgment" you must either pay the
full amount of the judgment or obtain a court order agreeing to pay the
judgment in installments to the plaintiff's attorney or the Clerk of
the Cook County Circuit Court. It is important that you make sure you
receive a certified, file-stamped copy of a "Satisfaction of
Judgment" form. Take this form to the Secretary of State's office
at 160 North LaSalle Street located on the 10th Floor.
If the cause of the SR22 is due to unpaid tickets, you must take care
of the underlying problem. Contact the appropriate Circuit Court and
ask them to reopen the case or pay the outstanding tickets. If the
cause of the SR22 is due to vehicle emissions, you must take your car
back to a vehicle emissions testing facility and this time pass the
test or Prove you no longer own the car.
Acquire SR22 Insurance from an insurance agency. You must sustain this
insurance for 3 years without lapse or cancellation If Due to a
judgment, DUI, felony or any other reason other than just being caught
without insurance. If the only problem was Driving without Insurance,
then you must maintain the insurance for one year without lapse or
cancellation. You will also have a reinstatement fee of $70.00