What Is SR22 Insurance/Financial Responsibility Insurance
In Illinois the Financial Responsibility Section of the Secretary of State in Springfield regulates and monitors the SR22 filing certificates. To start you need to contact an agent who has carriers that are authorized to attach SR22 filings to auto insurance policies written in Illinois.
Once you have received a quote for your policy which includes the SR22 filing and accept that offer and make payment. The agent will electronically submit the application with the SR22 certificate to the carrier. The agent will give the insured a policy with a copy of the filing attached. Most insurance companies will electronically send the SR22 certificate directly to the Secretary of State in Springfield. The Illinois Financial Responsibility Section will show this transaction in their database in three to five business days.
SR22 filings can be required anywhere from 12 months to 36 months depending on the severity of the infraction. If the insurance policy expires or is cancelled the insurance company will notify the Financial Responsibility Section. At this point the Secretary of State will suspend the driving privileges by issuing a SR26 Cancellation Certificate. The insured can usually start the SR22 filing by submitting payment again to the agent. The policy would have to be reinstated or rewritten and the filing processed again.
The SR22 Filing Certificate is issued in one of the following:
- Operator’s Certificate – This policy covers the motorist in the operation of any non-owned vehicle. If the motorist does not own a vehicle, the financial responsibility requirement can be met through the Operator’s Certificate.
- Owner’s Certificate – This policy covers vehicles owned by the driver. The type of vehicle must be listed on the SR-22 or may be issued for “All owned vehicle”.
- Operators-Owners Certificate – This certificate covers all vehicles owned or non-owned by the driver.
Instead of the SR22 certificate, the individual may deposit $55,000 in cash or securities with the State Treasurer, file a surety bond, or file a real estate bond approved by a court of record.
About SR22 Illinois and the SR22 Insurance Network
The SR22Illinois.com domain was created on January 25th 2000. That domain is now retired. However, it was created to help all residents of Illinois obtain SR22 filings accurately and fast. Many small towns in Illinois have difficultly finding an insurance agent that can handle the SR22 filings for clients. SR22 Illinois was specifically designed to facilitate the process of filing the SR22 certificates for the Illinois Secretary of State Financial Responsibility Section.
Watch the “SR-22 Explained in 93 seconds“ video on our homepage to aid you in understanding the basic theory of the SR-22 process.
Some Illinois History
The name Illinois was derived from the Native American Miami-Illinois verb, irenwe-wa, thought to mean “he speaks the regular way”. The current spelling of Illinois came to be when French colonists settled the area back in the early 1670′s. Illinois achieved statehood in 1818, and the City of Chicago was founded in the 1830s when construction of the Erie Canal was completed.
Today, Illinois is considered the 5th most populated state in America, with Springfield as its capital city. Illinois is often thought of as a microcosm for the entire United States, meaning that the population of Illinois represents ratios and statistics that closely match demographics of the entire country. Abraham Lincoln, Ulysses S. Grant, and Barack Obama were elected President while living in Illinois. Ronald Reagan was born and raised in Illinois, however, his political career was based in California. Illinois is known as the Land of Lincoln, as seen on license plates since the 1950′s.
From Wikipedia 2013
Financial Responsibility Insurance (SR22 Illinois)
SR22 Insurance Quotes for residents of Illinois
Get Your SR22 Illinois Insurance Quote Online or call 1-877-901-5544 / 1-877-902-5544