What is an SR22 Filing?

Thursday, March 1st, 2007

By Larry Lubell

SR22 is actually the name of the form used by insurance companies to notify the state that an insured has the required liability insurance coverage. An SR22 Filing is needed to removes a suspension order placed by the Illinois Secretary of State’s office on your driving privilege.

Why won’t any liability policy work?

While it is true that an sr22 is a basic liability policy, the filing mandates that the insurance company will notify the Illinois Secretary of State by issuing a 30-day notice should the insurance ever lapse for any reason. It is the fact that the insurance company is legally bound to provides this notice a to the Illinois Department of Motor Vehicles that sets in SR22 policy apart.

How do I know if I Need an “SR-22”

The most common way , would be by receiving a notice from the secretary of states office . They will send a letter demanding sr22 to the same address that is printed on your drivers license. The letter will state the reason that the SR-22 form is required and how long you must carry the filing. It is also likely that a judge will notifiy you at the time of your hearing.
How do I know when I no longer need sr22?

You will be sent a letter from the DMV (Department of motor Vehicles) stateing that you have completed your obligation. It is a great idea to keep a copy of that letter, believe or not, the “State” is not incapable of errors. We have had clients who had completed their required SR22, that months later were pulled over by an offcer only to find that the “State” still showed their license suspended. Yes, we have seen people spend the night in jail because of a mess up in Springfield. Keep copies of what the DMV sends you, and make sure your insurance agent also gets a copy.

If I get an sr22 insurance policy, can I start with a down payment or do I need to pay the whole year at once?

At Urban Auto Insurance Agency, you never need to pay for the policy all at once. We can start your coverage with just a small downpayment and then you can make monthly payments. Because U.I.P.P.(U.I. Payment Plan) is a division of Urban Auto Insurance Agency, we have the flexablity to offer you much lower down payments and easier monthly payments.

Do insurance companies charge more money because I need an SR22?

None of the companies we use Charge more for providing an sr22. the cost of the policy is the same as providing you with a base liablity policy. An insurance company can, and often will, charge a surcharge based on your MVR, but we will not charge your more for the SR22 form.

Do you offer SR-22s to someone that does not own a car?

Yes. Fill out the request a quote form and we will provide you with a quote to get your insurance started.
Click to Get a free quote. Or Call Urban at (800)680-0707