Why Would SR-22 Insurance Be Necessary?

by | Feb 1, 2019 | loan

In Chicago, and most other places, SR-22 insurance is needed for the same basic reasons. Rates for obtaining it may vary greatly, however. Great Northern Insurance Agency has competitive SR-22 rates in the Chicago area. So, if you find yourself in need of an SR-22 filing, contact our office.

What is SR-22?

In the most basic of terms, an SR-22 is a guarantee filed by the insurance company that states the driver will be financially responsible and has the appropriate coverage. Often, the required coverage for SR-22 is greater than the state’s mandatory minimums. It is often necessary to have an SR-22 certificate before your driver’s license can be reinstated.

Reasons SR-22 Certificates May Be Necessary

While this is not an exhaustive list of reasons why you may suddenly find yourself searching for SR-22 insurance rates, it does include the most common reasons that Chicago residents are required to file this type of certification.

  • One or more DUI or DWI convictions
  • Having too many points on your DMV driving record
  • Being involved in an automobile accident while uninsured
  • Becoming a high-risk driver due to having an excessive amount of at-fault accidents
  • Being caught driving without insurance or being unable to show proof of insurance
  • Ordered to obtain an SR-22 by the court
  • Being involved in a civil case such as a delinquent child support case

While the particulars of your case can vary, it is likely that you will be required to provide SR-22 certification for a period of time of three or more years. That is why it is important to find affordable SR-22 insurance rates. There are many insurance companies in Chicago that will not cover SR-22 needs because the driver is at such a high risk.

At Business Name, we don’t want anyone to lose their driving privileges due to not being able to afford insurance. In most areas of the United States, life is very difficult if you are unable to drive. You may have difficulty getting to work or school. Plus, you may not be able to provide or care for your family members as you wish. We strive to provide competitive rates that are able to fit into any driver’s budget. Contact one of our dedicated team members today to discuss your SR-22 concerns. We can help you choose the coverage that you need to get your license reinstated so that you can get your life back on track.

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