Most drivers have received a ticket, or been in an accident at some point. Both of these are scary experiences that can change the way we think about driving. A lot of people with these experiences decide to turn things around for the better. However, it can be hard to find an insurance company that will understand your story. Luckily, there are some companies, like Accurate Auto Insurance, that will work to get you a fair rate regardless of your past.
Do You Need an SR-22?
An SR-22 is simply a vehicle liability document used in auto insurance setting. These certificates are usually required for drivers who are in a high-risk category. Some people are required to get this document due to an accident or DUI conviction. Obtaining this document will allow the reinstatement of driving privileges. In some cases, the DMV can require you to maintain an SR-22 on file for several years. Most offenses will require a SR-22 in Elgin for three to five years. Check with the DMV for specific information.
Things to Know About the SR-22
Those who have an SR-22 in Elgin know that it signifies a steep increase in insurance costs. However, some insurers will work with you more than others. Even if you have an SR-22 in Elgin, it’s still possible to find affordable insurance for your needs. If you find yourself dealing with increased insurance costs due to your driving history, know that it is not forever. Once the required time period elapses, you should be able to get insurance for a lesser amount.
The SR-22 is issued by the insurance agency. A company like Accurate Auto Insurance can issue this certificate for you. The next step is to file it with the DMV to release any holds on your license. As long as the SR-22 remains valid, you should be able to drive just like before.
