SR-22 Filing for High Risk Drivers
An SR-22 form may be required of drivers who pose a high risk on the road. Auto insurance companies heavily base the price of a policy by a driving record; therefore, those who have black marks on their record and are need an SR-22 form will probably be forced to pay a larger premium.
If you are a high-risk driver, it may be difficult to find a policy that does not break the bank. Luckily, you have the Illinois SR-22 car insurance experts at Insure on the Spot to help you find an affordable SR-22 policy. Contact Insure on the Spot today by calling 1-888-972-SAVE.
The Definition of a High Risk Driver
If you have been required to get an SR-22 form, your auto insurance will deem you as a “high-risk” driver. This implies that you are at higher risk for breaking laws and causing accidents. The following actions will put you in this category.
- DWI/DUI
- Multiple traffic violations
- At fault in more than one accident
- Driving while uninsured
If you need to obtain an SR-22 form following any of the above, your first step is to find affordable SR-22 insurance coverage. Once you have proof of insurance, you will be allowed to apply for an SR-22 form at the state department responsible for motor vehicle records.
SR-22 Illinois Insurance Requirements
When you compare your SR-22 options, you may be eligible for several types of SR-22 policies. The most basic type is liability insurance, which is required in the state of Illinois. The following are the minimum Illinois liability requirements:
- $20,000 in bodily injury liability for one person’s injuries
- $40,000 in bodily injury liability for all persons’ injuries
- $15,000 in property damage liability per accident
A high-risk driver typically must file an SR-22 form showing that they have this minimum coverage.
Contact Us
If you are looking for SR-22 insurance, it is important to compare your price options so that you can find the best coverage for your needs. Receive an Illinois car insurance quote online from Insure on the Spot today by calling 1-888-972-SAVE.
