When it comes to auto insurance, most people know a little something about it. If you drive a car, you probably know some of the details about your policy, like how much it costs and some of the coverage details. However, there are certain terms in auto insurance that many people don’t know much about, and one of them is SR-22 in Mundelein IL.
If you don’t know much about SR-22, you’re not alone. The fact is, if you drive relatively safely and keep your driving record clean, you’ll never have to trouble yourself with this insurance term. However, if you’ve had a checkered driving history, you may need to know a bit more about this facet of auto insurance. Here are a few things you’ll need to know about SR-22 in Mundelein IL.
First, SR-22 isn’t an insurance policy, as some might think. This is an official document offered by the DMV in your state. This is a certificate that verifies you have a liability insurance policy for your vehicle. The thing to understand is only certain people need this sort of certificate, and those that do are typically required by law to have one.
This type of documentation is common for people who have been charged with DUI or DWI in the past. However, if you have been in an accident without insurance coverage, had multiple traffic tickets, or have had your licenses suspended or revoked, you may be required by law to have this sort of documentation as well.
It’s also worth noting that since insurance companies set your premiums depending on your general risk as a driver, people who are legally required to have SR-22 certification can expect to pay more for insurance coverage. Fortunately, you will only be required to have an SR-22 in Mundelein on file for three years in most cases. If you have no lapses in insurance coverage and you have maintained a safe driving record during that time, you can forgo SR-22 certification and, hopefully, start paying less for auto insurance.
If you have any questions about SR-22, contact your local DMV office. You may also be able to get an SR-22 at Alamo Insurance or other insurance agencies. By visiting an insurance office, you can learn more about SR-22 and how this can affect your auto insurance prices.
