Non owner SR22 insurance in Illinois

The Illinois Secretary of State's SR-22 page lists the people required to carry it. Drivers subject to a safety responsibility suspension, unsatisfied judgment suspension, revocation, or mandatory insurance supervision fall within this rule. It also applies to anyone convicted of mandatory insurance violations three or more times.

One more step is tied to the SR-22 on the state's reinstatement page. With a revoked license, you cannot pay the $500 fee until the state has either your SR-22 certificate or a waiver from another state.

According to the Secretary of State, an SR-22 is available in three forms. While driving a vehicle that you do not own, an operator's certificate protects you. Vehicles that you own fall under an owner's certificate. One operators-owners certificate provides coverage for both categories.

The operator's certificate fits your situation if you own nothing. Under Illinois law, an insurer's electronic certificate may prove an operator's policy in certain events, as stated in Section 7-315. A certificate must list the vehicles unless its policy belongs to someone who owns no motor vehicle.

Illinois requires this insurance to stay in place for three years. Begin by contacting an insurer authorized to write SR-22 policies in Illinois that has a power of attorney on file with the state. After you pay, your agent requests the certificate from the insurer's central office. The certificate is sent directly to the Secretary of State, and processing may take up to 30 days. A copy goes to you, along with a letter from the state.

Stopping early will not work. Under section 7-328, giving up your proof before the three-year period ends and then applying for a license or a registration leads the state to deny that application until you establish proof again for the remaining period.

Other proof options named by the Secretary of State include depositing $70,000 in cash or securities with the State Treasurer, posting a surety bond, or using a court-approved real estate bond.

Charges from the state are set on the reinstatement fees page. Mandatory insurance conviction suspensions carry a $100 charge. Safety responsibility suspensions and unsatisfied judgment suspensions each carry a $70 charge. The charge for a revocation is $500. Every fee must be paid before the state issues a new license. The pages we read show no separate state charge for filing the SR-22, so ask your insurer about its fee.

According to the Illinois Department of Insurance, state law sets the injury floor at $25,000 for a single person and $50,000 for a whole accident. Property damage limits must be at least $20,000.

Should the SR-22 expire or be canceled, your insurer has to send an SR-26 cancellation notice to the state. Your driving record is then suspended, and that suspension lasts until the filing is restored.

Renew at least 45 days ahead, as the Secretary of State says. If, 15 days before the policy's end, your agency has no renewal, it must tell the state. The certificate promises that the state must receive electronic notice at least 15 days before any cancellation.