License suspension can occur for a number of reasons such as criminal charges, speeding or driving without insurance. If this has happened to you and you rely on a vehicle to see friends, family and attend work, Sr22 insurance would be a worthwhile option. Your car should be registered at the DMV if you want to redeem your license and with Sr22 insurance in Elgin, your risk status could be reassessed by your insurance company. Driving While Intoxicated (DWI) and Driving Under the Influence (DUI) are two of the most common offences committed by people who require Sr22 insurance, so if you want to learn more about how you could gain your privileges back, read on.
The Basics of Sr22 Insurance
Sr22 insurance in Elgin is a form of insurance that proves a person’s financial responsibility. Normally, you will need to have an Sr22 for approximately three years, but the time can differ depending on your circumstances. Once this time limit is up, the insurance will expire and you can try to apply for your license again. There are a number of reasons why somebody might need an Sr22, such as for having a license revoked or suspended. Alternatively, you may need this because you have committed a serious moving violation or a number of traffic offences. If you have been issued lots of parking tickets, you will need an Sr22 document.
Time Length of Sr22 Insurance
Your experience with Sr22 insurance in Elgin will not be a short one. In fact, most of the time you will need to carry the insurance for about three years and if at any time the policy expires or is canceled, you will need to get in touch with your insurance company. The insurance company will then contact the state to inform them of your position and it is possible that your license will be suspended once again if you canceled the Sr22.
Obtaining an Sr22
Most people get quite confused about Sr22 insurance in Elgin and will not know what steps to take to activate the insurance. First of all, you should let your insurance company know that you no longer have a valid license and after this, the insurance company will reassess you. Communicate with someone at the DMV to learn about ‘assigned risk’ companies because these companies may provide insurance to people in your position. You may pay a lot more for this type of insurance but once you pay the premium, you will receive an Sr22 document which you should then fill in. The final part of the process involves waiting for your license to be restored.
If you have had your license suspended and want to get back on the roads, you should apply for Sr22 insurance in Elgin. Visit Ilinsurancecenter.com to get help when shopping for car insurance.