Non-Owners SR22 Insurance in Illinois

Reader’s Question:

I no longer have a vehicle but my insurance agent friend here in Illinois says I might still need to carry an SR22 since I will still be driving a different vehicle. What is it and what should I do?

Gary

Palatine, IL

Hello Gary, under the financial responsibility laws of Illinois, anyone who have been caught driving under the influence (DUI), proven at-fault in a car accident or has accumulated any number of moving violations severe enough to have his or her license suspended and lose car insurance coverage, would be required to file an SR-22 form. An SR-22 is proof of financial capability of a driver to compensate for any damages or injury he or she may cause to another person or property (the required coverage should not fall below the state required minimum limits).

Even if you would not be driving your own vehicle for a while, you will still be required to maintain an SR-22 for at least a couple of years to make sure you’re still carrying adequate liability insurance under a Non-owners SR-22. Please take note that this doesn’t necessarily mean that the vehicle your driving is covered for any damages or loss it may incur. This type of insurance only covers liability from injury or damages.

You may want to purchase a Non-owners insurance policy if you would like to protect the vehicle you will be driving there in Palatine, IL. This is different since an SR-22 covers other people from damages or injuries you caused while a Non-owners Insurance policy works the other way around.

DUI Charge – I Need a Peoria Illinois DUI Attorney

There are time when you have no choice but to hire a Peoria Illinois DUI attorney. By doing anything but this, you are basically setting yourself up for a terrible disaster. Even if you don’t have the money, talk with your DMV and find out what other options you have for representation, because you could suffer quite a bit if you don’t have any.

Why you absolutely need a Peoria IL DUI attorney.

• if you’re face is well known in drunk driving court, then yeah, you’re probably going to need a DUI attorney and a good one. No matter what the particular laws say, in every state the more times you are convicted of driving under the influence, the worse the consequences you will face are.
• you’re DUI may result from something pretty disastrous. If you were driving drunk and got into the car accident, and in this accident someone was injured or, even worse, killed, then you better run to the lawyer’s office. You would need one even if you hadn’t been drunk.
• if losing your license means losing your job, then, well, you can’t risk that, so you need a lawyer to argue the particulars of your case.