What is the Chicago SR-22 Coverage?

» Posted by on Oct 10, 2014 in Insurance | 0 comments

There are many situations that require Chicago SR-22 coverage, mainly to reinstate a revoked or suspended license. SR-22 is a certificate of financial responsibility typically issued to guarantee that a high-risk driver has the necessary insurance coverage to drive a vehicle. Some of the situations which may require SR-22 to reinstate a license may seem a little off at first because they don’t seem to have anything to do with driving i.e. failure to pay child support.

But if one understands that driving is a privilege rather than a right, then suspension or revocation of the license is in the nature of a punitive act, and is not a reflection of the driver’s ability to drive or safety record. Below are some of the situations that may result in loss of driving privileges which may fall under SR-22 coverage in Chicago as well as other parts of Illinois. The list is not complete but they are considered the most common.

  • Too many points on the driving record – In Chicago, each moving violation counts as a point against the driver in the record. More than three points (in one year) and you’re out.
  • Driving under the influence (DUI) – with this, the license is automatically suspended and how long it will remain so will depend on how often you’ve been caught DUI.
  • Driving without a valid license – if you are not licensed, forgot it at home, or it has been suspended and you’re caught driving, this may not only lead to (extended) suspension of your driving privileges, you can actually go to jail.
  • Driving without minimum car insurance coverage
  • Abandonment of your car in a public highway
  • At-fault fatal vehicular accident
  • Reckless driving
  • Found not physically and/or psychologically fit to drive safely i.e. very poor eyesight even with corrective lenses
  • More than 10 unpaid parking tickets, 5 automated traffic violations, or 5 toll way violations
  • Failure to appear in court
  • Failure to pay child support based on the Illinois Family Financial Responsibility Act, also informally known as the Deadbeats Don’t Drive Act

Habush Habush & Rottier S.C.® warns that losing your driving privileges can be crippling, so finding a reliable SR-22 provider can be a boon to those facing these challenges.

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