Illinois SR22 Auto Insurance
Reader’s Question:
I have a DUI conviction here in Illinois and my license has been revoked. I’m getting ready to get my license back and I was advised by a friend that I need to file SR22 auto insurance. Is this some type of insurance policy?
Oscar
Naperville, IL
Since your driver’s license has been revoked because of your DUI conviction in Naperville, Illinois, you need to file an SR22 auto insurance to get your license reinstated. SR22 is not an auto insurance policy, but rather it is a type of rider that is added to an Illinois insurance policy. It is a form from the Department of Motor Vehicles (DMV) that shows that a driver has auto insurance. This is a document required as proof of financial responsibility under Illinois state law for persons convicted for DUI. This is simply a form which must be filed by the insurance company stating that auto liability insurance is in effect for a certain individual.
You can check with your insurance company first if they do offer SR22 auto insurance. That way, you can simply add SR22 to your insurance policy. If not, you need to contact an insurance agent to buy liability insurance to get SR22 from another insurance company. Ask the agent for SR22 form once you have committed to purchasing a policy. You need to take the form to the Illinois DMV and this can be done personally.
Teen Driver Car Insurance With DUI in Illinois
Reader’s Question:
My 20-year old teenager son just received a DUI in Illinois for the first time. How will this affect my insurance rate and his since his insurance is also under my policy with him as driver?
Pam
Chicago, IL
Too bad for you, but DUI is a serious offense in Illinois and is classified as a violent crime. Unfortunately, this offense will permanently remain on his driving record. He may lose his driving privileges and can either be imprisoned or fined.
This offense is also taken very seriously by any insurance company since the driver becomes a risk to them compared to a person with a clean driving record. This would likely increase his rate which can affect the whole policy, including your premium rates.
A DUI can subject yours to high-risk auto insurance rates for three years according to the Illinois Secretary of State. The IL SOS DUI Fact Book states that high risk insurance for a driver convicted of DUI averages an additional $1500 per year!
However, since insurance companies rating systems are not the same, it is better that you find out more from your insurance agent as to how much the increase will be and for how long.
DUI SR22 Auto Insurance in Illinois
Reader’s Question:
A friend’s Dad was arrested for drunk driving in Peoria, Illinois. He was asked to file an SR22. What happens if he refuses to do this?
Karen
Peoria, IL
Good Question, Karen.
An SR22 is one of the means in Illinois to monitor the insurance of problem drivers. Through this process, mandatory insurance is enforced in the most efficient way. Illinois citizens are protected from uninsured motorists through the Financial Responsibility Law.
SR22 is required in Illinois by individuals with safety responsibility suspensions, unsatisfied judgment suspensions, revocations, mandatory insurance supervisions and individuals who receive three or more convictions for mandatory insurance violations.
In short, your Dad’s friend cannot refuse to file an SR22. This certificate of insurance is filed by the home office of an insurance company directly to the Secretary of State. This may be obtained by contacting an insurance company that is authorized to write SR-22 policies for Illinois.
Loading ...