Typically, SR22 policies are for people who have committed traffic or other violations and are ordered by a court to obtain one. Sometimes referred to as SR22 insurance, the policy is not insurance itself, but rather proof that you are insured. It usually takes about 3 years for an SR22 requirement to expire. However additional …
Understanding Sr22 policies can seem complex but in reality, they are quite simple. If a driver commits certain driving violations or lacks proper insurance a court will order them to take out an Sr22 policy. However, a driver committing other non-driving violations can also meet the requirements for issuing a policy. The purpose of this …
SR22 policies are for people whose insurance companies consider them to be high-risk. Sometimes referred to as SR22 insurance, the policy is not insurance itself, but rather proof that you are insured. It usually takes about 3 years for an Sr22 requirement to expire, however, additional offense during that time could increase the penalty. From …
Although auto insurance policy sometimes seems too expensive, everyone who drives needs one. But for people operating on a low budget, they may consider not purchasing a policy for their vehicle. However, drivers who go uninsured end up paying for it, sometimes in more ways the one. Driving without insurance is illegal in Illinois, and …
Planning a night in the city this weekend? Likely included in your plans are transportation from destination to destination. While driving is usually people’s go-to option, if you plan on drinking, plan on not driving. Instead of taking risks such as letting a friend drive, people should consider taking a cab or rideshare. There is …
It’s safe to say no one wants to be in a position where they need to obtain Sr-22 insurance. But, sometimes people make mistakes that lead to a court-ordered Sr-22 insurance filing. The process of filing Sr-22 insurance takes about a month to go through and does not have to be frustrating or confusing. As …
High-risk drivers, those with a DUI conviction, and/or drivers who have been caught on a suspended or revoked license, know-how difficult finding auto insurance can be. This is due to the fact that those situations usually result in drivers needing a Sr-22 policy. What drivers might not know, is that there are three types of …
If you’ve ever been at-fault in an accident or committed a serious traffic violation, you likely carry Sr-22 insurance. While technically not coverage, the Sr-22 is proof that a driver is carrying at least the minimum amount of auto insurance. In many cases, drivers who commit serious violations such as speeding (20+ mph over the …
Have you ever received a high quote from an insurance company and wondered how they came up with that price. Outside of looking at your personal information, and vehicle information, companies look at the number of insurance points on your driving record. A driver accumulates insurance points through violations such as tickets and at-fault accidents. …
Have you ever wondered what the difference is between a revoked driver’s license and a suspended one? Although neither of the two is good things, they do have a small but important difference. They have similarities too, none of which are good. For one, they both mean you lose your privilege to drive, but one …
Revoked License Vs. Suspended: What’s The Difference? Read More »
If you’ve ever been ordered to carry S-22 insurance, otherwise known as a financial responsibility form, you know how long the process lasts. A court can order a driver to carry Sr-22 insurance for many reasons such as DUI convictions or reckless driving. Although the requirement to carry the financial responsibility form ends usually after …
It’s no secret that high-risk drivers pay more for their auto insurance. A driver becomes high-risk after they rack up a number of violations, cause a serious accident, driving distracted or impaired. Insurance companies view those behaviors as a high-risk to cover and some may deny you coverage due to your status and driving history. …
As you may or may not know, you will undoubtedly be asked for proof of insurance when you are pulled over. Some people may not be aware, but having auto insurance and having proof of insurance are two different things. For a long time, the only acceptable way to show proof of insurance came in …
Driving Uninsured Vs. Driving Without Proof of Insurance Read More »
If you are drinking and plan on driving later, there are a few things to remember before getting behind the wheel. Many people believe as long as their BAC is under .08 they are safe from a DUI arrest, but this is not true. Illinois law permits drivers to be on the road if their …
Regardless of what you did to get your license revoked or suspended, the process for reinstatement has barriers. Not only is the process long, but it is also expensive and only gets more expensive for repeat offenders. Worse yet, if the license revocation came due to a DUI you received, the path will be harder …
When people discuss car insurance the term high-risk driver often comes up. But most people misunderstand what a high-risk driver is and what it entails. Sometimes a high-driver is a comparison between drivers due to factors that determine rates. Other times the labels used for people who have a history of car accidents, traffic violations …
Most people understand the importance and necessity of having car insurance. Unfortunately, some people still drive uninsured for any number of reasons. Uninsured drivers do not make roadways unsafe, but they do make things frustrating in the case of an accident. If an uninsured driver hits you, and you do not have collision coverage, you …
Cell phone use can feel addictive for some people to the point where they must check it often. In fact, cell-phone use addiction has been well documented over the past decade, and there is even a quiz to test your addiction level. A major issue that arises from cell phone use and addiction is distracted …
You take several risks when attempting to drink and drive. The obvious ones include loss of life, jail time, fines, and Sr-22 insurance. But what about the hidden costs and risks of driving under the influence of drugs or alcohol. Permanent records, job loss, and litigation fees may not be the first thing that comes …
In the unfortunate case that you are required to carry Sr-22 insurance, there are ways to help the process run smoothly. A typical Sr-22 requirement will last about 3 years, and in that time you must maintain insurance coverage and drive safely. Although three years is a long time, it’s important that you satisfy the …
