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What is Sr22 Illinois?
Sr22 Illinois is an automobile liability insurance policy required by the office of the Department of Motor Vehicles of the state of Illinois in the United States. The certificate is intended for high risk insurance workers in the state. Sometimes this certificate is also mentioned as a record of monetary responsibility insurance.
Necessity of Sr22 in Illinois
The office of the Department of Motor Vehicles in Illinois may need an SR22 insurance policy from a driver to re-establish his/her driving rights after an uninsured vehicle accident or finding guilty of another traffic-associated crime, like driving under the influence.
The Sr22 Illinois vehicle insurance may be required for three years for assurance of driving with no insurance or driving with a suspended permit and equal to five years for a driving under the influence crime in Illinois. If the SR22 insurance policy crosses its expiry date or it is canceled, the insurance corporation in the state of Illinois is necessary to issue an SR26 form that certifies the termination of the policy. As the Illinois State has its individual requirements, the necessity of a SR22 Illinois vehicle insurance policy includes:
- Driving under the influence or driving while impaired or any grave moving infringement
- At-fault misfortunes when driving with no insurance
- Replicate traffic crimes, or getting countless tickets within a shorter time period
- To restore a revoked or suspended license.
Getting an SR22 Illinois policy
The state of Illinois is informed if you let the policy cancel or lapse. You can get in touch with a sales or consumer service delegate of your insurance supplier in Illinois at their toll-free number to ask for an SR22 policy to be filed on any day at any time.
Validity period of an SR-22 policy
Every state has its individual requirements for the span of time that an SR22 policy should be in place. In Illinois, so long as you shell out the necessary premium, the policy will be active, pending the requirements for the state have been met. If your Sr22 Illinois policy is canceled even as you are still necessary to hold an SR22 insurance, your bond supplier is required to inform state authorities that may cause a suspension of your driving rights.
Fees associated with filing the SR22 Illinois policy
The Illinois state needs a fairly modest file payment while the SR22 policy is initially filed, but the fees are not usually necessary at renewal. However, if you let your policy lapse at any instant, the charge will again apply. As the SR22 policy requirement pertains to particular individuals, a separate payment applies to each individual, necessary to have a policy.
Acquiring the exact Sr22 insurance Illinois for your vehicle is simple with a reliable and approved insurance supplier in Illinois. They will offer suitable payment options, a reasonably priced monthly premium and a 24 x 7 customer service to offer the safety that you and your vehicle need. Most of the insurance suppliers in Illinois allow you to switch your existing SR22 insurance policy from one insurance supplier to other insurance supplier to get covered with the exact insurance for the exact cost, so you can take pleasure in the road ahead.
Reasons of suspended driver’s license
There are a number of reasons why your Illinois driver’s license may be suspended requiring you to obtain an Illinois SR22 insurance filing with the Department of Motor Vehicles before they will reinstate your driving privileges or before issuing you a restricted permit including:
- DUI (Driving under the influence)
- Too many moving violations
- Driving on a already suspended license or no license
- Driving without insurance
- Reckless driving
- At fault in a fatal accident
- Failure to pay outstanding tickets, fines, or surcharges
- Parking suspensions
- Failure to pay child support
This is by no means a complete list of the reasons a persons license may be suspended in the state of Illinois but it includes the major reasons for suspension.
What exactly is a SR22 filing Illinois?
Often times an SR22 filing in Illinois is referred to as SR22 insurance Illinois. An SR22 is not really insurance, it is a form that your insurance provider will file on your behalf with the Illinois Department of Motor Vehicles. This form is proof of financial responsibility showing that you have taken out an insurance policy with your insurance provider that at minimum meets the state’s minimum liability limits.
Illinois minimum liability limits:
- $20,000 for person killed or injured
- $40,000 for person killed or injured, more than one
- $15,000 for property damage
Basically what the form is is an agreement between your insurance provider and the state of Illinois that states that if for any reason during your required SR22 filing period if there is a lapse in your insurance coverage that your insurer is obligated to inform the state of such a lapse. When a lapse in coverage occurs the state will suspended your license and send you a letter informing you of the suspension. You will need to bring your insurance premiums current and re file the SR22 form with the state before being issued another license.
Does Illinois offer a restricted license during the suspension period?
Yes, as long as your suspension was for a reason other than a DUI you will be eligible for a restricted driving permit or RDP. The request for an RDP will be handled through an informal hearing held at any hearing officer location. The informal hearings are held on a walk-in basis.
We suggest that you call ahead to find out if the Hearing Officer on duty is available.
For all DUI offenders you will need to request a formal hearing to see if you are eligible for a MDDP or monitoring device driving permit. It is strongly recommend that you contact an experienced Illinois DUI lawyer to represent you at your formal hearing in order to have the best outcome.
What happens if my SR22 insurance Illinois lapses?
Failure to keep your SR22 insurance in Illinois current will result in your Illinois driver’s license being suspended by the Secretary of State for a second time. If this happens you will need to bring your SR22 insurance premiums current with your insurer and then have them file another SR22 form with the Illinois Secretary of State. On top of that you will have to pay an additional driver’s license reinstatement fee before being issued another license.
If you do not follow the steps outlined above you may face several other consequences. For example:
- If you decide to continue driving on a suspended license and get pulled over you risk additional fines and penalties for driving on a suspended license including having your vehicle impounded.
- Driving without valid proof of insurance also carries a heavy fine in Illinois.
How do I avoid a lapse in my SR22 Illinois Insurance coverage?
The easiest way to avoid a lapse in your SR22 Illinois insurance coverage is to start by finding the lowest cost SR22 insurance policy in the state of Illinois from the start. People are often shocked when they get a SR22 Illinois insurance quote from us and see how much they can save over what they had been paying for their SR22 insurance policy. Do yourself a favor and get a quote now and see how much we can help you save on your SR22 insurance in Illinois.
Illinois DUI First Offense
In the state of Illinois a person will be arrested and charged with a first offense DUI charge if they are stopped by an officer while operating a motor vehicle and have not been previously convicted of a DUI charge within the past 5-years and that person is found to have a blood alcohol concentration level of .08% or greater per the Illinois DUI law code. A person will also be arrested if they are found to be under the influence of a drug or intoxicant and their ability to drive has been affected.
If a person has been involved in an accident and the officer on scene has probable cause to believe you have been driving under the influence you will be arrested for DUI. You may also be arrested on a first offense DUI charge in Illinois if you are stopped by an officer and found to have an open container in the vehicle with any amount of the contents of the container removed and you exhibit signs of being under the influence.
Illinois Statutory Summary Suspension
Upon being arrested for a first offense DUI charge in Illinois the arresting officer will confiscate your driver’s license and issue you a Notice of Suspension. You have 45 days from the date that you were issued the notice in which to request a Judicial Hearing to challenge the statutory summary suspension if you hope to avoid the minimum 1-year revocation of your driving privileges.
It should also be noted that you actually have 90 days from the date of the statutory summary suspension in which to request a Judicial Hearing, but the actual license revocation begins on the 46th day after being issued the statutory suspension. No Judicial Hearing will be granted after the 90 day period has lapsed.
If the statutory summary suspension of your driver’s license is upheld at your Judicial Hearing the court has the authority to issue you a restricted driving permit that grants you limited driving privileges. It is highly recommended that you contact a Illinois DUI lawyer who has experience in representing clients at Judicial Hearings if you hope to have a successful outcome at your hearing.
The jail time for a first offense DUI conviction in Illinois will be at the courts discretion up to a maximum of a 1-year jail sentence for a Class A misdemeanor offense. If there were any aggravated circumstances, the jail sentence may be longer. For example a DUI resulting in great bodily injury can result in imprisonment of up to 12-years.
The fine amount for a first offense Class A misdemeanor will be $2,500 maximum. If your BAC level is .16% or greater there is a minimum fine amount of $500. If there was a passenger under the age of 16 in the vehicle at the time of arrest, you face a minimum fine of $1,000. If there was a passenger under the age of 16 in the vehicle at the time of arrest and the DUI resulted in an accident causing bodily harm to the child the fine amount can be up to $25,000.
First time offenders who wish to drive during their statutory summary suspension period are required to have a Breath Alcohol Ignition Interlock Device or BAIID installed in their vehicle. To be eligible the court must grant you a Monitoring Device Driving Permit or MDDP.
A person found guilty of a first offense DUI in Illinois will have their driver’s license suspended for a period of 1-year. The court does have the authority to issue a Restricted Driving Permit, or RDP or an MDDP for first time offenders. If you are a first time offender and you refused to submit to a chemical test you will not be eligible for a restricted permit or MDDP and you will have to wait until the 1-year suspension period is up before your license is reinstated.
Before the state of Illinois will reinstate your driver’s license following your suspension period or issue you a restricted driving permit or MDDP you will have to pay all the mandatory reinstatement fee of $250 and provide proof of financial responsibility in the form of a Illinois SR22 insurance filing.
Illinois First Offense DUI Under 21
Anyone under the age of 21 who is arrested on a first offense DUI charge in Illinois for having a BAC level of .02% – .08% will have their driver’s license suspended for 3-months. If you refuse to submit to a chemical test, your license will be suspended for 6-months. Under 21 offenders may be subject to fines up to $2,500 and jail time.
Anyone under the age of 21 who is arrested for a first offense DUI in Illinois for having a BAC level of .08% or greater will be facing the same penalties as someone over the age of 21 would face for the same offense.