ILLINOIS SR22 INSURANCe
Illinois SR22 Insurance – In Illinois drivers who are required to file an Illinois SR22 form will need to maintain it for one (1) to three (3) years. This type of insurance is primarily there to prevent future uninsured accidents. If your violation occurred after January 1, 2008 the SR22 period is three years. We provide instant Illinois SR22 insurance filings and shop the entire Illinois SR22 market to find you the best coverage for your insurance dollar. Each of our insurance carriers notifies the state of Illinois, electronically, so many times we are able to get our customer’s license reinstated the very same day!
WHAT IS AN ILLINOIS SR22?
An Illinois SR22 is also known as Financial Responsibility Insurance. llinois uses SR22 Insurance to monitor the insurance of high-risk drivers. You’ll need SR22 insurance if you’ve been caught driving without insurance, driving on a suspended or expired license, or for reckless driving. Learn More About Illinois SR22 Insurance:
- Illinois Non Owner SR22 Insurance
- SR22 Insurance in Illinois
- Illinois DUI Insurance
Is there an alternate method to file proof of financial responsibility? Yes, the state offers the ability to not only file an SR-22 insurance form but also accepts cash, securities, or a surety bond in the amount of $55,000. The SR-22 filing is the most widely used method but some individuals prefer the bond or cash option. How do I avoid SR-22 cancellations? Each insurance company is required to notify the Secretary of State if they have not received payment for renewal 15 days prior to expiration. Once they are notified the suspension process begins but you can avoid this by paying your renewal at least 30 days prior to expiration.
ILLINOIS SR22 INSURANCE REQUIREMENTS
Illinois SR22 Insurance – The state of Illinois requires all drivers with an SR22 to maintain liability insurance to protect other drivers in the event of an accident. The minimum limits are:
- $25k Per Person Bodily Injury
- $50k Per Accident Bodily Injury
- $20k Property Damage
While these limits are minimum they are rarely recommended levels of coverage. Ask your insurance agent what they recommend based on your financial position.
SUSPENDED LICENSE REINSTATEMENT PROCESS
If you have a suspended license due to Statutory Summary Suspension you can reinstate your license after the suspension period and pay $250 reinstatement fee. Once your driving record is updated to reflect the lift on suspension you license is valid again. If this is the second or more suspension the reinstatement fee is $500 and the court where your DUI case was processed will hold your driver’s license. You can pay the reinstatement fee via check, cashier’s check or money order made payable to the Secretary of State. Be sure to include your driver’s license number on the check and mail to:
Secretary of State Driver Services Department 2701 S. Dirksen Parkway Springfield, Illinois 62723
Suspension and revocation fees can be paid via telephone using a credit card.
Secretary of State Driver Services Department 2701 S. Dirksen Parkway Springfield, Illinois 62723
Suspension and revocation fees can be paid via telephone using a credit card.
DRIVING UNDER THE INFLUENCE (DUI) IN ILLINOIS
What is Statutory Summary Suspension?Your license can be suspended for 6 or 36 months based on the following scenarios:
- If you refuse to submitting a chemical test of your blood, breath, or urine
- The chemical test shows a BAC .08% or higher
- Any drug substance or intoxicating compounds are found
If you are convicted of driving under the influence (DUI) the state will revoke your license for at least one year. This is in addition to the Statutory Summary Suspension period. If this is the second offense in 20 years your license will be revoked for 5 years. What are the penalties for first time DUI offenders in Illinois?
- Fines up to $2500
- Jail time up to 18 months if a child is in the vehicle
- Suspended license for one year
- Illinois SR22 Insurance required
- Ignition interlock device required in some cases
While these are just a few of the potential penalties for DUI offenders it is not a comprehensive list. Refer to your court documents to know what is required of you after a DUI conviction.
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