Driving any type of vehicle comes with a high level of responsibility, and the many risks that come with getting behind the wheel mean that drivers must meet certain requirements in order to obtain a license.
Such a need is car insurance. Without insurance, if you are involved in an accident of any kind, the damage to your car or others will not be covered and you will have to pay for the expenses entirely out of pocket. Additionally, having insurance means you are trusted down the road by your insurance company.
Finding affordable insurance can be difficult for many drivers, and even more difficult for drivers labeled high-risk. Some high-risk drivers are required to carry what is known as SR-22 insurance.
What is SR-22 Insurance?
The SR-22 insurance coverage is an automobile liability certificate that proves a driver has the minimum insurance coverage required to drive a vehicle in the state. For some high-risk drivers, SR-22 allows them to get back on the road after being convicted of a license revocation, multiple driving offenses, DUI or other violations.
The SR-22 is available through your insurance company, which means that if you are directed to obtain an SR-22 from the Illinois Secretary of State’s office, Right Auto Insurance is here to help. We offer SR-22 insurance to clients in Elgin, IL, so residents can restore their driving privileges as they can afford it.
Why do I need SR-22 insurance?
If you are considered a high-risk driver, you may need to get an SR-22 in Illinois. There are several reasons why this might become a requirement, but the bottom line is that if it does, you will need an SR-22 certificate to legally drive.
Reasons You May Need the SR22 in Elgin
Most people don’t have a perfect driving record, but many high-risk drivers need SR-22 insurance in Elgin, Illinois. Below is a list of reasons why you may be considered a high-risk driver by the Secretary of State.
- Driving without insurance
- Behind child support
- Unpaid traffic citations
- Dissatisfied judgment stay
- Driving with a revoked or suspended driver’s license
- Involved in an at-fault accident while driving uninsured
- Major ongoing violations
- Multiple ticket/moving violations within the last 12 months
Keep SR-22 active
Illinois requires an SR-22 for three years, and if for any reason you miss a payment and your SR-22 coverage is terminated, you can no longer legally drive in the state of Illinois. That’s why it’s so important to make sure you’re up to date on payments.
To make sure your SR-22 is active and up to date, contact your insurance company or the Secretary of State.
Contact the right auto insurance today
Precision Auto Insurance prides itself on reliability and experience. Our mission is to help our customers save money and stay safe on the road. When you need SR-22 coverage, affordable auto insurance for one or more vehicles, or other related services, Right Auto Insurance has your back!
Call us today to get an instant insurance quote from your trusted Elgin auto insurance company!