SR-22 Insurance Certification in the Illinois State

By reading this article the readers will get to know about the SR-22 requirements imposed on the high risk drivers by the state of Illinois. There are several intricacies associated with SR-22 insurance which if not comprehended precisely might result in adverse legal as well as penal consequences.

Hence as a responsible citizen, every person residing or coming in the state of Illinois needs to make himself or herself aware of legal mandates applicable herein such as SR-22 insurance certification. This article will ensure answers to all major queries associated with the SR-22 insurance certification in the state of Illinois.

Illinois State law on the applicability of SR-22 insurance certification

If Illinois State authorities or the court of Illinois State recommends an individual owning or driving a vehicle to maintain a SR-22 insurance certification as per section 3-707 of the Illinois Vehicle Code, it will be mandatory for such person to fulfill the requirements.

The law mandates presenting a proof of having adequate financial sufficiency by high-risk drivers convicted of traffic violations within the jurisdiction of Illinois. SR-22 insurance certification is the validation of appropriate financial responsibility by the said vehicle owner or driver.

Acquiring or submitting a SR-22 insurance certification in the Illinois State

Once recommended to present a SR-22 insurance certification, the concerned vehicle owner or driver needs to contact an insurance company that offers SR-22 certification within the Illinois State. Then the concerned vehicle owner or driver has to purchase an appropriate insurance policy while requesting the insurance provider to submit a SR-22 certification form directly before the Office of the Secretary of State in Illinois.

The said insurance provider upon such request submits a SR-22 certification form on behalf of the insured vehicle owner or driver. The insurance company, by doing so, is confirming the adequacy of minimum liability coverage by associated vehicle owner or driver in the vehicle insurance policy purchased by him or her.

Circumstances to maintain a SR-22 insurance certification in the state of Illinois

Any vehicle owner or driver who is found guilty of three or more convictions due to violating the regulations of having mandatory motor vehicle insurance or DUI charges is legally bound to file for an SR-22 certification before the Office of the Secretary of State in Illinois.

Minimum required duration for an SR-22 Insurance certification in Illinois State

The Illinois State laws recommends for a vehicle owner or driver to maintain an SR-22 insurance certification for a minimum of three years. Here it is crucial to maintain the same insurance policy that is associated with the SR-22 insurance certification. Any lapse, termination or cancellation of the said insurance policy may result in suspension of the driving privileges.

Non-compliance of SR-22 certification in the state of Illinois

It is legally required therefore upon failing to comply with the requirements the vehicle owner or driver can face suspension of his or her driving privileges in the public roads of Illinois State.

Responsibility to maintain SR-22 insurance certification

Upon convicting a vehicle owner or driver under violation of mandatory insurance regulations, an information report is sent to the Office of the Secretary of State in Illinois by associated circuit court. After receiving such report the convicted vehicle owner or driver shall receive a notice, by the Office of the Secretary of State, mandating the requirements of SR-22 insurance certification.

If a person gets convicted for mandatory insurance offense by the circuit court

The convicted vehicle owner or driver need to:

• Make sure that his/her current communication address is updated in associated driving license records to get notified by the authorities;
• Not file for an SR-22 insurance certification until or unless the receipt of the notice sent by the Office of the Secretary of State in Illinois;
• Complete the filing process within 90 days from the date of receipt of the aforementioned notice as to avoid suspension of driving privileges.
• Ensure receipt of a copy of the SR-22 insurance certification submitted by the insurance provider on his or her behalf.
• Ensure receipt of a letter from the Office of the Secretary of State in Illinois confirming the submission.

Additionally, it is important to note that standard liability insurance policy or insurance binders cannot be used as a substitute to SR-22 insurance certification.

Law on motor vehicle insurance policy with adequate minimum liability coverage

In the eventuality of a vehicular crash, any or every party involved may sustain bodily injury, damage to property or even death of a person. Such instances require that the aggrieved party receives appropriate compensation from the party that is found guilty of causing that vehicular crash. The law mandates having a sufficient financial responsibility to compensate such aggrieved parties of vehicular crash.

A standard motor vehicle insurance policy is meant to serve this purpose for general vehicle owners or drivers. But when any vehicle owner or driver is categorized as a high-risk driver it is the duty of State authorities to penalize of prevent such drivers from harming the others that may come in contact with them while driving vehicle.

The State law of Illinois provisions the filing of an SR-22 insurance certification by such high risk drivers to the Office of the Secretary of State in Illinois. This immediately makes it costlier to own a vehicle by imposing the additional cost of SR-22 certification upon such drivers. Further it ensures that if such high-risk drivers becomes the cause any vehicular collision then the affected party can be adequately compensated.