If you are required to file proof of financial responsibility by Illinois law, proof may be submitted in the form of an SR22 Certificate of Insurance (see example) completed by the home office of an insurance company and submitted to the Secretary of State before reinstatement of driving privileges or issuance of a restricted driving permit. Lincoln will issue an electronic SR22 on your behalf.

You may obtain an SR22 at Lincoln Insurance Agency. Standard liability insurance or insurance binders are NOT acceptable. When you make your down payment, we will submit a request for an SR22 certificate to the central office of the insurance company. The SR22 Certificate will be sent electronically to the Secretary of State in Springfield. You will receive a copy of the SR22 from the insurance company as well as a letter from the Secretary of State upon acceptance.

The SR22 Certificate may be in the form of an Owner’s Certificate or a NON Owner’s Certificate. The Owner’s Certificate is required if you own a motor vehicle and wish to obtain or retain license plates for it. A NON Owner’s Certificate should be filed if you do not own a motor vehicle.

The amount of coverage for an SR22 Certificate must be at least $25,000 for one person killed or injured, $50,000 for two or more people killed or injured, and $20,000 for property damage. The insurance policy must conform with the provisions of the Illinois Vehicle Code.

The SR22 Certificate must be maintained for 36 months (three years). Any lapse in coverage will result in the suspension of your driver’s license. To avoid future suspensions make your payments on time and renew your insurance a minimum of 30 days before expiration. Allow ample time for processing once the policy is received by the Secretary of State’s office

NOTE: Alternative methods of filing proof of financial responsibility are available. Instead of the SR22 Certificate, you 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.

Contains information taken from Secretary of State Website


Judge Lincoln Cartoon