The SR-22 is a form that needs to be filed with the state as certificate of financial responsibility for numerous reasons. The SR-22 itself is NOT a form of insurance but a document that tells the State that you do carry insurance for a certain amount of time according to the violations you were cited with.
There are many misconceptions about SR-22s. Some of them are:
- I do not need the SR-22 if I don't own a car.
- I don't have a driver license number from the state, I don't have to file SR-22.
- I've never been licensed so the SR-22 doesn't apply to me.
and my all time favorite
- I can drive any car with an SR-22 insurance.
Truth of the matter is, you do need to file the SR-22 or financial responsibility with the state even though you do not own a car; if you do not have a driver license, whatever the reason is, you will be given a driver license number from the state of Illinois in order to comply with the SR-22; same applies if you have never been licensed; and, the SR-22 is not a drive all, cover all vehicles you drive. The SR-22 is not an insurance policy or provides any type of coverage. It is a mere formality of letting the state monitor your license so that they know you are complying with the financial responsibility filing they have mandated you to have.
The most common reasons for getting an SR-22 is for getting caught driving without insurance and having an accident without insurance. If you are caught driving without any liability insurance on your car, usually you will have to maintain insurance for at least one year. And, if you get into an accident without insurance, the SR-22 will be for at least three years.
Getting liability insurance with an SR-22 filing could be costly for many people. Here at Amigo Insurance, we work with you in order to provide you with the best rate possible and we also help you file your SR-22 electronically. This means, the state will be notified of your filing within 24 hours. If they have kept your license, this will help you get it released and in your possession in a short time.
If you need SR-22 filing give us a call at (877)999-2644 or get an instant quote at today!