What Is the Difference Between SR-22 Insurance and Regular Coverage? 

Key differences exist between standard car insurance policies and specialized forms like SR-22 insurance. This distinction is crucial in Illinois, where specific requirements govern standard auto insurance and SR-22 requirements.

Understanding Regular Auto Insurance

Standard auto insurance in Illinois may provide financial protection against physical damage or bodily injury resulting from collisions. Most policies also include coverage against liability situations that could arise from vehicle-related incidents.

Illinois requires specific auto insurance coverage, including the following:

• Bodily injury liability may help pay for injuries or death that you, as the insured driver, cause to other people in an accident.
• Property damage liability may help pay for third-party property damage during an auto accident.
• Uninsured motorist bodily injury coverage may help cover your accident-related medical costs if you’re in an accident with an at-fault driver without auto insurance.

While these are the minimum requirements, it’s often advisable to consider higher limits and additional coverages such as collision, comprehensive and roadside assistance to ensure more extensive protection.

Exploring SR-22 Insurance

SR-22 is not a type of insurance but a certificate the state requires to verify that an individual holds the minimum necessary auto insurance coverage. This certification is typically mandated for drivers whose driving privileges are suspended or revoked due to serious offenses such as DUIs or other major infractions.

SR-22 Vs. Standard Auto Coverage

Regular auto insurance is a proactive measure for financial protection, available to all drivers, whereas SR-22 is a state-mandated certification for specific high-risk drivers to verify their insurance coverage.

Insurance providers file SR-22 forms with the state to prove a driver’s insurance meets the minimum requirements, a step not necessary with standard auto policies.

Premiums for drivers requiring SR-22 certification are typically higher due to the associated risk factors compared to regular insurance policies.

Your agent can help you compare multiple SR-22 quotes to help you get favorable rates.

Implications for Illinois Drivers

For Illinois drivers, understanding the difference between standard auto insurance and SR-22 can be crucial, especially for those required to obtain SR-22 certification.

For personalized guidance on SR-22 certification or to explore your auto insurance options, Hanway Insurance in Oak Lawn, Illinois, is here to assist.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.