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Why You Might Need SR-22 Insurance

Published on June 25th, 2017

As an agency offering a SR-22 in Joliet, we want to give you some basic information on this particular state requirement.

What is a SR-22?

A SR-22, also known as a SR-22 certificate or Certificate of Financial Responsibility, IS NOT automobile insurance. Instead, it’s a certificate verifying that you’re maintaining car insurance liability coverage.

Reasons why you may be required to have a SR-22

You may be required to have a SR-22 if you’ve:

  • Been in a traffic accident or convicted of a traffic offense and could not prove financial responsibility
  • Were caught driving without automobile insurance
  • Were convicted of a DUI or DWI
  • Had too many tickets in a short period of time
  • Had your driver’s license revoked or suspended

How do you know if you must have a SR-22?

If you’re required to get a SR-22, the traffic court where you appeared or the Department of Motor Vehicles will notify you by mail.

What are the typical terms of a SR-22?

Terms and requirements vary by state, but generally, you must retain both the SR-22 and your insurance policy for approximately three years. If your insurance policy lapses, your insurer is required by law to notify the Department of Motor Vehicles office. Your license will be suspended until your insurance has been reinstated. Then once you have met your SR-22 obligations for the proscribed amount of time, your SR-22 status will be removed.

How do you get a SR-22?

If you need a SR-22, remember that you also must have car insurance. At Accurate Auto Insurance you can get a SR-22 in Joliet, as well as great rates on car insurance. We urge you to call us at 1-800-999-1034 or go here to enter your zip code to get an instant quote.

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