Auto Insurance in Joliet, IL
Auto insurance needs are unique and many people may require specialized coverage features or additional documentation to ensure compliance and suitable financial protection. For some, this may mean that acquiring and maintaining an SR-22 is necessary.
What Is SR-22 Insurance?
Motorists should first understand that an SR-22 is not actually a type of insurance. Rather, this is a type of document that can be purchased through an insurance company. The insurance company then files the paperwork with the Department of Motor Vehicles as proof that the purchasing individual has met the minimum compliance requirements regarding auto insurance.
Who Needs One an SR-22 Form? 
Exact requirements related to SR-22 may vary by state, but drivers may be required to maintain such documentation for many reasons. If the following apply to a motorist, they may often be ordered to get an SR-22:
- A motorist has been involved in several at-fault accidents.
- A motorist has committed many traffic violations.
- A motorist is a repeat offender, especially during a short period of time.
- A motorist has been caught driving while underinsured or uninsured.
- A motorist has been convicted of operating a vehicle while intoxicated.
- A motorist has failed to pay court-ordered child support
- A motorist has had their license revoked or suspended.
If someone is required to have an SR-22, they typically must maintain it, as well as adequate auto insurance, for a number of years, although the exact timespan may vary by state. If an auto policy lapses or the motorist fails to comply with the terms of their SR-22, their license may be suspended.
How Much Does an SR-22 Cost?
The cost of an SR-22 can vary by state and insurance company but can often be purchased for a one-time fee. However, additional fees may apply, such as if an auto insurance policy lists more than one insured driver.
Learn More
Contact Insure One Way today to learn more about SR-22s or get an instant auto insurance quote.