SR-22-Compliant Auto Insurance in Berwyn, IL
SR-22 insurance is not a type of insurance policy. It is a certificate of financial responsibility required by the state of Illinois for certain drivers. Your insurance company files this certificate with the Illinois Secretary of State to verify that you carry the minimum required auto insurance coverage.
Drivers may be required to obtain an SR-22 for various reasons, including the following: 
- Driving without insurance
- DUI or DWI convictions
- Multiple traffic offenses
- At-fault accidents without insurance
- License suspension or revocation
The SR-22 certificate proves you have the necessary insurance coverage to meet Illinois state requirements.
Obtaining SR-22 Insurance in Berwyn
If you need SR-22-compliant insurance in Berwyn, the first step is to contact an insurance provider offering SR-22 filing services. Not all insurance companies provide this service, so finding one that does is essential. Once you have selected an insurance provider, they will file the SR-22 certificate on your behalf with the Illinois Secretary of State.
When obtaining SR-22-compliant insurance, your insurance premiums may be higher than standard auto insurance rates. This is because drivers who require an SR-22 are considered higher risk. However, maintaining a clean driving record and adhering to the terms of your SR-22 can help you eventually return to standard insurance rates.
Maintaining Compliance
Once you have obtained SR-22-compliant insurance, it’s crucial to keep your insurance policy active and make timely payments to avoid any lapses in coverage. If your insurance policy is canceled or lapses for any reason, your insurance provider is required to notify the Illinois Secretary of State, which can result in the suspension of your driving privileges.
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