What is the SR-22?

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 Responsibility Insurance is required in Illinois by individuals with safety responsibility suspensions (Type Action 04), unsatisfied judgment suspensions (Type Action 06), revocations (Type Action 01 and 02) and mandatory insurance supervisions.
The insurance must be submitted on a Financial Responsibility Certificate (SR-22) from the home office of the insurance company. The issuing insurance company must be authorized to write financial responsibility insurance in Illinois and have a “power of attorney” on file in Illinois.

What is the SR-22?
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:

    1. Operator’s Certificate – This policy covers the motorist in the operation of any non-owned vehicle. If the motorist does not own a vehicle, the financial responsibility requirement can be met through the Operator’s Certificate.
    2. Owner’s Certificate – This policy covers vehicles owned by the driver. The type of vehicle must be listed on the SR-22 or may be issued for “All owned vehicles”.
    3. Operators-Owners Certificate – This certificate covers all vehicles owned or non-owned by the driver.

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.

How The SR-22 Process Works

An SR-22 may be obtained by contacting Lincoln Insurance Agency. When payment is made, we will submit a request for an SR-22 certificate electronically to the central office. The SR-22 certificate will then be sent electronically to the Secretary of State in Springfield. Upon acceptance, the individual will receive a copy of the SR-22 from the insurance company and a letter from the Secretary of State.

Once the insurance is accepted, it must be maintained for a period of 36 months. If the SR-22 expires or is cancelled, the insurance company is required by law to notify the Safety and Financial Responsibility Section by a SR-26 Cancellation Certificate. Upon receipt, S&FR will then load a Type Action 05 suspension on the driving record. This suspension cannot be removed until the insurance filing has been reinstated.

Avoiding Future SR-22 Cancellation Suspensions
Future insurance related suspensions could be avoided if SR-22 insurance payments are kept up to date and is renewed a minimum of 45 days in advance. If Lincoln 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, they will start the suspension process. By renewing early, we will have time to notify the Secretary of State office of your renewal and the suspension is avoided.

Out-of-State Requirements

Prior to January 1, 2006: Out-of-state residents may submit evidence of insurance coverage in lieu of an Illinois SR-22 certificate. Acceptable proof of insurance coverage may include copies of the insurance policy, insurance card, or a letter from the insurance company or agent. However, the company must have a “power of attorney” on file with our office before the insurance can be accepted.

After January 1, 2006: 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 SR-22 Insurance requirement for Illinois. You will be subject to the insurance requirements of your new home state once you become a resident. All other Illinois reinstatement requirements must be met prior to license reinstatement. In the event you move back to Illinois within three years from acceptance of the insurance waiver, your SR-22 requirement for Illinois would be reinstated.

Contains information taken from Secretary of State Website