Understanding Requirements for SR-22 Liability Insurance in Fox Lake IL

by | Feb 2, 2016 | Insurance

Illinois residents who have been flagged as problem drivers must provide verification to the Department of Transportation that they hold automotive liability insurance in Fox Lake IL or wherever the place of residence is. The driver obtains a certificate called SR-22 along with automotive insurance from an agency authorized to participate in this program. The process allows the department to track the driver’s adherence to automotive insurance requirements.

If this person does not renew the policy within the mandated time frame, the department will suspend the driver’s license. This type of Liability Insurance in Fox Lake IL must be renewed at least 45 days before policy expiration to prevent any lapse in coverage. The insurance company must notify the Secretary of State if renewal is not completed by a certain date before expiration.

The main issue vehicle owners have with this type of Liability Insurance in Fox Lake IL is its higher cost. The reason it costs more than regular liability coverage is because the driver has acted in ways that indicate high-risk behavior behind the wheel. The requirement is most commonly associated with people who have been convicted of driving under the influence of alcohol or other drugs. Drivers who have their license suspended for receiving several speeding tickets also will need this certificate. People who drive while intoxicated or routinely drive over the speed limit are more likely to cause an accident. It’s imperative that they carry liability insurance to cover any injuries or property damage they cause.

The good news is that if the driver turns over a new leaf and stays out of trouble, the requirement will eventually be dropped. The state recognizes that most people change their bad habits and allows the ones who succeed to have more affordable automotive insurance again.

An independent agency such as Alamo Insurance Inc. can help these vehicle owners find insurers who provide the coverage and apply for the insurance. An agent keeps in contact with the customer as renewal time approaches. The agency may be able to set up automatic payments that come directly from the customer’s checking account or debit card. This is a smart way to prevent unintentional delays in paying the premium.

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