When will you Need SR 22 Insurance Chicago?

There are many reasons why your license may be suspended or revoked, but not in all cases will an SR 22 be required. The SR 22 is a form originating from an accredited insurance company’s central office certifying that the person named in the form has applied and paid for the minimum insurance coverage required by state law to lift a license suspension or revocation. The SR 22 certificate is sent to the office of the Secretary of State in Illinois for processing. This typically takes about 30 days, after which the applicant may then request for a reinstatement provided all other requirements for such a request have been fulfilled.

The SR 22 in Chicago, sometimes referred to as SR 22 Insurance Chicago, is not a magic wand that will wipe the slate clean so that you can get back your license. There are situations where an SR 22 can be a requirement for doing that but it is not the only one, and it is not always applicable.

Situations in which SR 22 Insurance Chicago may be required include but not limited to:

  • Driving under the influence (DUI) of alcohol or drugs
  • At-fault car accident without adequate insurance
  • Driving without minimum insurance coverage required by law
  • Multiple serious traffic violations on the driving record in excess of state limits
  • Failure to pay child support
  • Child neglect

Habush Habush & Rottier S.C.® notes that when the license suspension or revocation is associated with a criminal act or charge, the issue must first be resolved or the sanctions fulfilled to the court’s satisfaction before any consideration of reinstatement can be entertained. When the cause of the license revocation is due to use of a car in the commission of a felony or a certain number of reckless driving citations within a year, an SR 22 will be of no help because the revocation may not be lifted or modified in such cases.

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