Everything You Need to Know About SR22 Non Owner Insurance in Illinois

What Is SR22 Non Owner Insurance?

SR22 non owner insurance, also known as an SR22 filing or certificate of financial responsibility, is a type of vehicle liability insurance. It’s required in some states for drivers who have been convicted of certain serious traffic violations. It’s designed to protect other drivers from people who have been convicted of dangerous driving offenses. If you have an SR22 filing in Illinois, it means that you are required to maintain a certain minimum amount of liability insurance coverage. This coverage must be provided by an insurance company that is licensed to do business in Illinois.

Who Needs SR22 Non Owner Insurance in Illinois?

In Illinois, SR22 non owner insurance is required for drivers who have been convicted of certain traffic violations, such as DUI/DWI, reckless driving, or leaving the scene of an accident. If you were convicted of one of these offenses, you may be required to file an SR22 with the Illinois Secretary of State. Additionally, you may be required to maintain an SR22 filing if you have been involved in an accident and cannot provide proof of financial responsibility. This is true even if you were not at fault for the accident. The SR22 filing is a way for the state to make sure that you are able to pay for any damages that you cause in the future.

How Do I Get SR22 Non Owner Insurance in Illinois?

If you are required to get SR22 non owner insurance in Illinois, the first step is to contact an insurance company that is licensed to do business in the state. You will need to provide information about your driving record, and you will need to provide proof that you have met the minimum requirements for liability coverage. Once you have provided this information, the insurance company will file an SR22 with the Illinois Secretary of State. Once the filing is complete, you will be able to drive legally in the state.

How Much Does SR22 Non Owner Insurance Cost in Illinois?

The cost of SR22 non owner insurance in Illinois varies depending on the insurance company and your driving record. Generally, however, SR22 non owner insurance is much more expensive than standard car insurance. This is because you are considered to be a higher risk driver, and insurance companies charge more to cover higher risk drivers. Additionally, some insurance companies may also require you to pay a fee for filing the SR22. The exact cost of your SR22 non owner insurance policy will depend on a variety of factors, so it’s best to compare quotes from different insurance companies.

What Is the Penalty for Not Having SR22 Non Owner Insurance in Illinois?

If you are required to have SR22 non owner insurance in Illinois and you fail to maintain the required coverage, you may face penalties from the state. The penalties may include license suspension, fines, and even jail time. Additionally, if you are involved in an accident and you do not have the required coverage, you may be held personally liable for any damages caused. It’s important to make sure that you maintain the required coverage in order to avoid these penalties.

Conclusion

SR22 non owner insurance is an important type of insurance that is required in some states. In Illinois, it’s required for drivers who have been convicted of certain serious traffic violations. In order to get SR22 non owner insurance in Illinois, you will need to contact an insurance company that is licensed to do business in the state. The cost of SR22 non owner insurance in Illinois varies depending on the insurance company and your driving record. Additionally, if you fail to maintain the required coverage, you may face penalties from the state. It’s important to make sure that you maintain the required coverage in order to avoid these penalties.