Illinois SR-22 Insurance
If you are convicted of A DUI in Illinois, you may be required to file for SR-22 insurance in order to have your license reinstated and to maintain driving privileges.
Understanding SR-22 Insurance in Illinois
An SR-22 is a document proves that you carry the state’s minimum required liability insurance and is necessary when attempting to obtain a Restricted Driving Permit (RDP). It is not required for obtaining a Monitoring Device Driving Permit (MDDP).
Illinois state law mandates minimum liability coverage for all drivers. The required minimums are:
- $25,000 for injury or death of one person in an accident
- $50,000 for injury or death of more than one person in an accident
- $20,000 for property damage per accident
In most cases, the Illinois Driver Services Department requires that you keep the proof of financial responsibility on file for three years. If you cancel your policy, your driving privileges may be revoked immediately.
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Driving Under the Influence in Illinois
A person arrested for DUI in Illinois faces a number of consequences including the automatic suspension of their driving privileges if they fail, refuse to submit to or fail to complete chemical testing. The Statutory Summary Suspension mandates that failure of chemical testing is when a driver has a BAC of .08 or more. On a first offense, a person faces a six-month driving suspension with eligibility for a Monitoring Device Driving Permit (MDDP).
For more Facts and Statistics on Driving Under the Influence read the DUI Fact Book published the Secretary of State.
Breath Alcohol Ignition Interlock Devices (BAIID)
In many cases, when a person's license is suspended due to an arrest or conviction for driving under the influence in Illinois, they may be eligible for a Monitoring Device Driving Permit or a Restricted Driving Permit after the installation of a Breath Alcohol Ignition Interlock Device (BAIID). The BAIID is paid for by the offender and must be installed by a certified BAIID vendor.
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Penalties for DUI Conviction in Illinois
First Offense
Fine(s): Up to $2,500
Driver's License Supspension: 6 months
Second Offense
Fine(s): Up to $25,000
Driver's License Supspension: 1 year
FAQs About SR-22 in Illinois
An SR-22 is a certificate that proves you have the minimum required auto insurance coverage mandated by your state. It's often required for drivers who have been convicted of serious driving offenses like DUIs or driving without insurance.
The duration of SR-22 insurance requirements varies by state and the offense. Typically, it's required for a minimum of three years, but it can be longer depending on the circumstances. During this period, the insurance company will keep the state updated on your car insurance policy renewals and cancellations to ensure you maintain consistent coverage. Breathe Easy can help you understand the specific duration needed in your case.
Allowing your SR-22 policy to lapse or canceling it prematurely can result in serious consequences, including license suspension or additional fines. It's crucial to maintain continuous coverage until your SR-22 requirement is fulfilled. This can be a challenge if your long-time insurance carrier decides to end your coverage after your DUI.
When you are done selecting your insurance plan, Breathe Easy can connect you with an Intoxalock representative for further assistance. They will answer any questions you have and help you get set up with an installation appointment at a convenient time.
Get Your Free Illinois SR-22 Quote Today
Are you ready to get back on the road and get your life back? Breathe Easy Insurance is here to help. Our highly-trained staff will help you understand the license reinstatement process. No matter what the circumstances of your license suspension, our agents can help you. We know that this can be a stressful and overwhelming time; let us make it easier with a free online quote. Get started today!
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