SR22 Insurance Filing In Illinois

Reader’s Question:

They took my driver’s license away because of my DUI and now that the revocation period is almost over, I need to have a new driver’s license here in Illinois but I also need SR22 filing, how do I do that?

Angelo

Waukegan, IL

Because your Illinois driver’s license has been revoked, you have to work your way in getting SR22 insurance filing so that you can have a new driver’s license. SR22 insurance is a form that is being added to a car insurance policy and is being required for those who have been convicted for driving under the influence (DUI) or for those who have had a driver’s license suspension or revocation for some other reasons.

SR22 insurance filing needs to be done by your car insurance company to the Department of Motor Vehicles (DMV). If you are not currently insured, you have to find a car insurance company that does SR22 insurance filing. You may get a hard time finding a car insurance company that will insure you because of your status as a high risk driver, but there surely is one that would be willing to do SR22 insurance filing for you but at a higher price than what you used to pay for your car insurance.

Through SR22 insurance filing, your car insurance company guarantees the DMV that you have at least auto liability insurance. Remember that you have to maintain this for a specific amount of time because if not, the DMV would have to suspend your driver’s license until you show them that you have SR22 insurance filing again.

Auto Insurance Prices in Illinois

Reader’s Question:

Where do insurance companies base their rate quotes? I reside here in Peoria, Illinois and has been doing some research on car insurance to help my wife get good car insurance prices.

Mathew

Peoria, IL

Your car insurance rates are based on a number of factors and not all car insurance providers use the same system or process to determine your auto insurance premiums. Some of these factors are controllable and some you will just have to live with if you want to get car insurance coverage. Generally, car insurance rates are based on the following factors: Age, Gender, Driving record, where you live and the kind of car you own.

The younger the driver (teenagers to early 20s) the more inexperienced he/she is considered by the insurance company thereby presenting a higher risk as a driver than a more established drivers. Those above 55 years, however, may also be seen as a high risk driver due to the physical limitations (slower reflexes, poorer eyesight etc.,) imposed by advancing age.

Males are, statistically, more prone to get into car accidents than women. Your location, where you live, work and drive each day, as well as the popularity of your type of vehicle among thieves, also affects your rates since insurance providers will be taking into account the crime and theft rates of vehicles in that area. The factor that you have most control of would be your driving history there in Peoria, Illinois. Prior involvement in car accidents, accumulating traffic violations and getting caught driving under the influence of alcohol (DUI) has a very big impact on how much you pay for insurance.

Tags: auto insurance

Do You Need Drunk Driver Insurance in Illinois?

Reader’s Question:

My driver’s license was suspended because of my drunk driving charge. Is it true that this can be a reason for my car insurance rates to go up?

Barry

Des Plaines, IL

The states don’t allow insurance providers not to give coverage to people because of their color, faith, residence, profession or age but they can drop your policy for some other reasons. This includes having a suspended driver’s license, too many tickets or having a felony, criminal negligence or DUI conviction. Car insurance providers typically treat those who have drunk driving charge differently than those who have a clean driving record. They usually charge higher car insurance premium rates or they can even drop the policy.

Since you have a drunk driving charge in Illinois, you will be tagged as a high risk driver. If your car insurance provider finds out about it and decides to keep you, they would likely increase your premiums. In that case, you will be expected to file a proof of insurance, or what is called SR22, so that your driver’s license will be reinstated. Also, because of the SR22, your car insurance provider would notify the Department of Motor Vehicles if your car insurance policy is canceled for whatever reason.

DUI – Car Insurance in Illinois After DUI Conviction

Reader’s Question:

My brother got his second DUI offense here in Evanston, Illinois and we all hope he doesn’t get convicted again. In case that happens, how can he get car insurance after his two DUI’s?

Francesca

Evanston, IL

We all know and understand that a DUI is a very serious charge and you can jeopardize your own life and that of other people by drinking and driving. It may be hard for your brother to get a car insurance after being charged again with his second DUI in Evanston, Illinois, especially if he gets convicted. The first thing that he would have to do is get the SR22 form procedure completed by his insurance company. This is the official documentation required for him to reinstate his license and get his car registered at the local DMV.

You brother has to submit the SR22 insurance form to the local DMV but take note that his license would be put on probation for at least two years. His car insurance premium is going to be extremely high because he will most likely be termed as a ‘high risk driver.’ In case he’s having a hard time finding a car insurance company who would give him coverage, I advise him to try and get an online rate quote from this very website because it offers DUI insurance even for second offenses.

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DUI in Illinois – What Happens If I am Caught?

Reader’s Question:

I am an occasional drinker and when I drink, I usually just drive myself home. I have never been charged with DUI here in Joliet, Illinois, but if I will be caught drunk driving, what do I stand to lose?

Clay

Joliet, IL

If you are a drinker, it’s a good thing that you want to know what you stand to lose by driving drunk. To know why this is such a bad idea is essential to help you plan before you head out to party and drink and drive yourself home.

In the state of Illinois, the legal limit for blood alcohol content (BAC) is .08 percent. If you are caught in Joliet, Illinois with a BAC that is higher than the limit, you could lose your license, head to jail, or be asked to perform community service. Of course, you will have to pay fines for a DUI offense. Education and alcohol treatment may also be a requirement and you will have to pay for these classes and assessments.

If you lose your driving privileges, you would have to do several things before you can get it back. First, you would have to pay a steep fine on top of the fines that you have already paid and you would have to complete an alcohol education course in order to get it back.

If you get your license back, you would have to prove that you are insured but your insurance company may also drop your coverage. You can find another insurance provider to cover you, but it would be expensive. You will be tagged as a ‘high risk’ driver if you have a DUI offense, thus insurance companies may charge high premiums. So with that said, it would be far better to avoid the DUI at all costs than to deal with these expenses.