An SR22 or Financial Responsibility Certificate is not a type of policy. This is needed in addition to your policy if you have been convicted of a DUI ( Driving Under the Influence ) or your license has been suspended or revoked for any other reason which may require you to obtain a Financial Responsibility Certificate in which you may be considered a high risk driver, and need to show proof to the state of IL DMV ( Department of Motor Vehicles ) that you have obtained the proper coverage. The main idea of an SR filing is to protect other drivers from uninsured motorists or those that are considered to be a high risk driver.

In order to obtain an SR-22 you can use our online services with the option to contact an agent in your area and explain your specific situation to help better satisfy your coverage needs. The policy provider must be authorized to write financial responsibility filings and be able to offer Illinois auto insurance quotes to residents. They must also have a "power of attorney" on file with the state.

Once the policy provider which you have chosen has received payment they will submit a request for approval to the central office. Awaiting approval may take up to thirty (30) days. Once your policy requirements have been accepted, you will receive your SR22 form from the agent and a letter from the Secretary of State. Your policy must usually be maintained for a period of thirty-six (36) months. Once you have the proper policy required you will now be able to bring the documentation provided to your local DMV office.

If your policy is cancelled or expires without renewal, an SR26 filing is sent to the Secretary of State which notifies them of such cancellation of coverage and may lead to suspended driving privileges. By law, your coverage provider is required to notify the Safety and Financial Responsibility Section (S&FR) by the use of a an SR 26 Cancellation Certificate that your coverage has expired or has been suspended. Once the S&FR has received an SR-26 they will then place a Type Action 05 suspension on the policy holder's driving record. Therefore, it is imperative that the insured maintain the policy throughout the thirty-six (36) month period, since the suspension will not be removed until your policy provider has reinstated the insurance filing.

SR22 For Driving Without Insurance

If you are caught driving without the proper coverage the penalties may be severe. This may also be another reason you would need to shop for SR22s and be in compliance with the financial responsibility act. Some states will penalize you with a fines, in most cases these fines are pretty hefty. They may also impound your vehicle, which is very costly.

If in the unfortunate event that you are in an accident, any damage or injury caused to the property or person of any party involved would therefore have to be paid out of pocket. If any legal action is taken then the consequences can be far more expensive, including legal fees of any party involved as well as your own and any monetary compensation that the courts may award to the plaintiff(s).


Affordable SR 22 Car Insurance

With our services, we take any headache or grief out of obtaining an SR22 filing. We provide a free online quote system that is fast and easy to use with numerous outlets and agents available to walk you through all of your policy and coverage needs and help you find the cheapest rates. If you prefer to speak to a live agent to answer any questions that you may have, you can easily do so by calling this toll-free number at (866) 584-9539.