What is SR-22 Insurance?

July 29th, 2013 at 8:00 am

In Illinois, there are certain minimums of coverage that are required by motorists.  As of May of this year, Illinois lawmakers are proposing an increase from liability from $20,000 to $25,000 for the death of one person.  This would be the most basic coverage necessary for a person to drive legally.  Police officers routinely check for proof of insurance and vehicle registration even for routine traffic stops.

Another form that is necessary to prove that a person has car insurance is a SR-22 or Safety Responsibility-22 form.  It is filled out by an authorized insurance company to prove that a driver has insurance.  This form is submitted to the DMV and maintained unless the premium is not paid.  An SR-22 must be maintained for at least three years.  In the case of a missed payment, a SR-26 form is issued by the insurance company, which automatically suspends the driver’s license.

Car insurance

A SR-22 is necessary when trying to reinstate a suspended license due to any number of violations:

  • Driving without insurance,
  • Serious violations of traffic rules,
  • Volume of moving violations,
  • Driving under the influence of drugs or alcohol.

And also may be necessary for individuals who have received:

  • Mandatory insurance suspensions,
  • Unsatisfied judgment suspensions,
  • Safety responsibility suspensions.

The SR-22 can take one of three forms.  The first is as an Operator’s Certificate which covers the driver in any non-owned vehicle.  The second is an Owner’s Certificate which covers vehicles owned by the driver.  The third kind is a combination which is an Operators & Owner’s Certificate which covers all vehicles owned and not owned by the motorist.

If you have been pulled over for suspicion of DUI, then it is important to have the legal advice of a professional.  The consequences are too great to be put to chance.  Contact an experienced DUI attorney in Cook County who can help you keep your license and avoid insurance hassles.

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