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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Getting SR-22 Bonds Online

Most drivers are required to get an SR-22 by the Department of Motor Vehicles (DMV) once their driver’s license has been suspended. Reasons for having to file for an SR-22 bond are traffic violations, driving without the required minimum coverage, or those who have committed DUI or DWI offenses. An SR-22 bond allows problem drivers to have their licenses reinstated after being suspended or revoked.

Shopping online regarding the best option is the same as combing through insurance companies that can offer you the best deals and discounts. Convenience is one of the allures of the internet, and most insurance companies have online sites that offer free SR-22 quotes just by filling up their forms. Although it may be time-consuming, taking the time to fill these forms in several insurance company can give you options on which one to choose. Having seen the possible options, you can immediately make changes to your coverage, allowing you to have a lower cost which you feel comfortable with.

Habush Habush & Rottier S.C.® note that another great reason to find an SR-22 bond insurance online is that it can save you the trouble of finding an insurance agent and talking to them, that is explaining your case to them. Most online SR-22 bond quotes offer discounts. They are also available 24/7 to help any inquiries, and offer helpful information on their sites to help you understand necessary information. Being online, you can also research more about the insurance company you are eyeing on to see their reliability and services. Finding a trusted and reliable insurance company is necessary in getting an SR-22 and having your driver’s license reinstated.

Lastly, most insurance companies offering SR-22 bonds can provide you with the essential forms needed in applying for it. Having a difficult time to find and fill up the form can slow down your application; with an available form you can process your application and have your license as soon as possible.

Not only are you able to evaluate different quotes from various insurance companies, you can determine which one will work for your specific situation without having to spend a lot of time and money. Since driving your own vehicle is the most convenient way to travel, most drivers with revoked or suspended license should consider going online to find a reputable insurance company who can provide them with SR-22 bonds.

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