SR22 Insurance In Chicago IL
Reader’s Question:
I was told that I need to present proof of financial responsibility here in Chicago in order to get my drivers license back, how do I do that?
Kyle
Chicago, IL
That’s right. If you got your drivers license suspended due to reckless driving, incurring too many moving violations, DUI (Driving Under the Influence) or DWI (Driving While Intoxicated) arrest, for driving without proof of your drivers license or without carrying proof of car insurance coverage, or for having a poor driving record, you will be considered as a high-risk driver and for everyone’s mutual protection, you will be required to show proof of financial capacity to pay anyone you may injure, and any property you may damage, in the event your risky driving behaviors causes a car accident or collision.
In order to provide proof to the Office of the Secretary of State in Illinois (which handles reinstatement of licenses and other motoring administrations in your state) that you have adequate financial responsibility, and should therefore get your driving privileges reinstated, you will need to find a company that can file an SR22 Insurance in Chicago. Please note that not all insurance carriers are authorized to do this so it is best to contact the Secretary of State’s office for a list of carriers, or you may go on the web and use online directories to do this.
You may also use the free search tool on this website to easily get a list of authorized SR22 insurance companies. You will also get the chance to compare for the most competitive rates and policies available online.
Teen Car Insurance Chicago Illinois
Reader’s Question:
I have a teen that is going to be sixteen this month. He will be getting his license. Is he automatically insured once he get his license on my car insurance policy in Chicago, IL? He will only be driving part time and with an adult. Basically my question is, do I have to put him on the insurance policy as long as he drive one of my vehicles is he insured?
Reed
Chicago, IL
Most insurance carriers require that you list all licensed drivers living in the household on your car insurance policy so that they will be properly covered to operate your vehicles. If the insurance provider is not notified of the licensing status of your teen and they are not listed but are in a crash driving your car, it may be possible for the insurance company to deny an insurance claim. I heard that some insurance carrier will cover the insurance claim but then they will charge you for the insurance premiums that should have been paid previously for the teenager to be on the insurance policy.
I suggest that you contact your car insurance agent now in Chicago, IL, before your teen start the licensing process at age of sixteen, so that you will know what to expect when they do obtain their licensed and what coverages you will need to put on them.
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