Frequently Asked Questions
Instant, Affordable SR22's
When you need an SR22, we’re here to help. You don’t have to wait to get on the road.
Our company specializes in Illinois and Indiana SR22 coverage. We provide instant SR22s with the lowest rates and monthly payments, period!
Our insurance companies notify the Secretary of State in Springfield electronically, which means there is no running around for you. We also e-mail you your information and insurance ID cards immediately after your purchase. There’s no waiting for paperwork or to get back on the road. Once we file your SR22 your license suspension will be lifted and you can drive again legally.
How do I know if I need SR22?
The State of Illinois requires SR22 financial responsibility insurance before your driver’s license or vehicle plates can be reinstated if they’ve been suspended or revoked due to a violation of certain sections of the Illinois Motor Vehicle Law.
Some SR22 violations include:
- Driving without auto insurance
- Automobile Accident without car insurance
- Driving a car under the influence (DUI)
- Reckless driving of a motor vehicle
- Three moving violations in a 12-month period
- Drivers license suspension or revoked drivers license
Reinstatement of License
If your driver's license is under suspension because of a motor vehicle violation, we can file an SR22 form for you with the Secretary of State. This form shows you have the mandatory auto liability insurance policy required by the Illinois Financial Responsibility Law to have your license or license plates reinstated.
SR22—What you need to know
- What is SR22? SR22 is actually the name of the form used by the insurance companies to notify the Secretary of State that an insured has the required insurance coverage. People will sometime refer to this car insurance as SR22 or FR Filing.
- Proof of financial responsibility may be submitted in the form of an SR22 certificate of insurance completed by the home office of an auto insurance company and electronically submitted to the Secretary of State before reinstatement of driving privileges or issuance of a restricted driving permit. A Secretary of State reinstatement fee may also apply.
- How it works. When you make a payment to our agency, we will submit a request for an SR22 certificate to the car insurance company. They send the SR22 certificate electronically to the Secretary of State in Springfield. You get a copy from the insurance company, as well as a letter from the Secretary of State upon acceptance. So check your mail.
- The SR22 Certificate may be in the form of an owner’s certificate, a non-owner/operator’s certificate, or an owner/operator’s certificate. The owner’s certificate is required if you want license plates for a vehicle you own. If you don’t own a vehicle, file the non-owner/operator’s certificate.
Coverage required for an SR22 Certificate is the lowest amount of liability insurance required by the state. The insurance policy must conform to the provisions of each state’s vehicle code:
- Bodily injury: $20,000 per person / $40,000 per occurrence
- Uninsured motorist: $20,000 per person /$40,000 each occurrence
- Property damage: $15,000
- Bodily injury: $25,000 per person / $50,000 per occurrence
- Uninsured motorist: $25,000 per person /$50,000 per occurrence
- Property damage: $10,000
- Illinois Limits
- How long must I maintain the SR22? This can vary by state and by severity of the offense. Illinois and Indiana require three years. If your policy lapses or is canceled, your auto insurance company is required to notify the Secretary of State immediately and your license will be suspended again. Because we want to keep you in the driver’s seat, we recommend that you call us at 773-202-5060 to renew your insurance a minimum of 30 days before your policy expires.