It is unfortunate when circumstances require a driver to get an SR-22 in order to legally operate any vehicle in Illinois. It means that the drive has been deemed safety irresponsible, possibly for being caught driving under the influence (DUI) of alcohol or drug, driving without insurance, or have an unacceptably high number of serious traffic violations on a driving record. For any of these situations, a driver’s license may be suspended or revoked, and can make it very difficult to get standard car insurance.
The state requires an SR-22 or a certificate of financial responsibility to motivate drivers to become more responsible operators of a vehicle. It is difficult and more expensive to obtain than regular car insurance, so drivers who do not want to go through this will be more conscientious about how they drive. However, as mentioned on the website of Insure on the Spot, even careful drivers may find themselves in a situation where an error in judgment can land them in trouble, but they don’t have suffer the consequences forever.
The state requires an SR-22 for 3 years in most cases. In that time, it is important for drivers to abide with the conditions of an SR-22 to avoid extending this. An SR-22 should be renewed 45 days in advance of its expiration every year to circumvent additional complications. This is because the issuing insurance company has the right to send an SR-26 Cancellation Certificate to the Safety and Financial Responsibility Section of the office of the Secretary of State to notify them about the failure to renew 15 days prior to the certificate’s expiry. This can result in a suspension imposed on the individual’s driving record until such time as the SR-22 is reinstated. Which can mean a wait of another 30 days as the reinstatement is processed.
Any serious violation within the period that the SR-22 is in effect may also result in its cancellation, effectively requiring the driver to go through the process all over again. That is, presuming that the insurance company is willing. If not, the driver will have to find an alternative issuer or deposit a $55,000 cash or securities bond with the Illinois State Treasurer or equivalent real estate bond approved by the court.Read More