Insurance King has filed 10’s of thousands of SR22 Illinois forms with the
Secretary of State. Insurance King’s president testified as an expert
witness for the IL House of Representatives committee of insurance. The subject was electronic filing of the SR22 Illinois form.
Soon after this testimonial, the State proceeded submitting the SR22 Illinois forms electronically. Prior to the electronic filing process of SR-22 Illinois forms. The process took up to 6 weeks to reinstate a drivers license. Now SR22 Illinois forms are usually filed within 24-72,
hours with the Secretary of State. But only if an agent files electronically.
*Not all states file electronically, however Insurance King files electronically for all states that have the capability.
A SR-22 Illinois form is not an insurance policy.
It’s simply a financial responsibility form proving that you have
insurance coverage. The SR-22 is filed with your state by your insurance
company and certifies that you carry the minimum liability coverage on
your car insurance policy.
12-36 months. Some states require these to be consecutive months. In other words, if you are late on a payment you have to start the SR-22 all over. SR22, also known as high risk auto insurance, could be required of drivers for several different reasons. A list of the main reasons are:
1.Being behind on child support
2.Driving under the influence (DUI)
3.Unsatisfied Judgement Suspensions
4.Having an at-fault accident while driving uninsured
5.Multiple moving violations or tickets within 12 months
6.Being behind on Traffic Citation Payments
7.Driving uninsured
8.Other major moving violations, such as reckless driving
9.Driving with a suspended or revoked license
Lapsing your policy or not paying the payment on time will suspend your license. Some Insurance King clients opt to pay the 6-12 months of insurance premium in full to avoid suspensions. Other clients opt to pay 30 days in advance. However, you choose to pay, just pay before the payment is due to the insurance company. This helps to avoid being arrested for driving uninsured. What if you are ever unsure if your policy is active? You should contact your Secretary of State or Insurance King.
Insurance King will file the actual SR-22 Illinois form with
the IL Secretary of State. In addition, Insurance King will also file a SR-22 in other states. We will file the SR-22 with your Department of Motor Vehicles (DMV) for you. Prior to driving, you should always make sure the SR-22 is on file with the State. Once the SR-22 is filed, your license suspension will be removed. Thus, making it legal to drive again.
Note: SR-22s are state specific — what is required in one state may not apply in another state.
Drivers needing an SR-22 that move to a different state need to have a new insurance policy from the new state in which they moved. Although, making it difficult to keep their SR-22 filed in the prior state. Insurance King is able to help people in this situation. As long as they live in a state Insurance King is licensed in the new state and the old state. Not too many agents are able to file SR-22’s in different states. Because, most agents are not licensed in multiple states.
Switching insurance companies with a SR-22 filing
It is possible to cancel a SR-22, in order to switch to another company. However, Insurance King suggests getting the new SR-22 on file and then canceling the old policy. Afterwards you should receive a refund of prorated premium. This means you don’t have to go without a SR-22. Because, you risk driving on a suspension. In addition, you may have to start over on the time line for which you need a SR-22 with your state.
Once the SR-22, or financial responsibility requirements have been satisfied by the state in which you live, you will be notified. In addition, your insurance company will also be notified. SR-22’s generally do not cost extra money. It just removes the suspension requirement if your policy were to lapse in the future. Insurance King suggests you keep the letter of completion in your glove box for a few months. Because, this is to ensure you do not have any issues with any unforeseen traffic stops.
Insurance King has cheap rates for SR-22 policies! Request a quote online and an Agent will gladly help you.
In conclusion, Insurance King can file a SR-22 Illinois form or a form for another State we are licensed to sell car insurance for.
