Through the provisions of the Safety and Financial Responsibility Law, motorists are held responsible for accident damages both administratively and through the court system. In many cases, drivers are required to file proof of financial responsibility for periods ranging from one to three years in the form of SR-22 Insurance policies (commonly know as high-risk [...]
Effective Jan. 1, 1958
Established a .15 percent BAC limit at which a driver is presumed to be under the influence of alcohol.
Effective Jan. 1, 1967
Lowered the illegal BAC limit from .15 to .10 percent.
Effective Jan. 1, 1980
Established 21 as the minimum drinking age.
Effective Jan. 1, 1984
Established mandatory 48-hour imprisonment or 10 days of community service [...]
Answer:
By driving on Illinois roadways, a driver agrees to submit to testing for
alcohol or other drugs. Refusing to submit to testing results in a longer
suspension of driving privileges than that received for test failure. A test
refusal can be used as evidence in a DUI case.
Financial Responsibility Insurance (SR-22) is the mechanism in Illinois to monitor the insurance of problem drivers and authorize the Secretary of State to suspend upon cancellation (SR-26) or expiration. Through the SR-22 and SR-26 process, mandatory insurance is enforced in the most efficient way. Through the S&FR law, Illinois citizens are protected from uninsured motorists.
Financial [...]
Under Public Act 94-0224 out-of-state residents may request that their proof of financial responsibility for Illinois be waived. An Affidavit must be completed to request the waiver. Please note that the Affidavit will only waive the SR22 Insurance requirement for Illinois. You will be subject to the insurance requirements of your new home state once [...]
Alternate methods of filing proof of financial responsibility are available. Instead of the SR-22 Certificate, the individual may deposit $55,000 in cash or securities with the State Treasurer, file a surety bond, or file a real estate bond approved by a court of record.
Future insurance related suspensions could be avoided if SR-22 insurance is renewed a minimum of 45 days in advance. If the insurance agency does not receive a renewal 15 days before the insurance expiration, they are required by law to notify the Secretary of State. At that time, we will start the suspension process. By [...]
An SR-22 may be obtained by contacting an insurance company that is authorized to write SR-22 policies for Illinois. When payment is made to an insurance agency, the agent will submit a request for an SR-22 certificate to the central office. The SR-22 certificate will then be sent directly to the Secretary of State in [...]
Minimum Liability Limits
The SR-22 policy must meet the minimum liability requirement for Illinois. The minimum amount of coverage must be issued for at least $20,000 for one person killed or injured, $40,000 for two or more persons killed or injured and $15,000 for property damage.
An SR-22 is a certificate of insurance filed by the home office of an insurance company directly to the Secretary of State. The SR-22 certificate is issued in one of the following forms:
Operator’s Certificate - This policy covers the motorist in the operation of any non-owned vehicle. If the motorist does not own a vehicle, [...]
