Woman fined with a traffic violation

Until you get on the wrong side of the law, you’re unlikely to appreciate the freedom that comes with having a driver’s license. Keeping a clean driving record is the greatest challenge you’ll face as a driver.

Each traffic violation you make while behind the wheel counts against you. If you’re a heavy-footed driver, you’re likely to rack up some moving violation. Having too many of these violations will have you looking for SR-22 insurance in Chicago, IL.

What is SR-22 Insurance?

Unlike common misconceptions, an SR-22 is not an insurance plan but a certificate of financial responsibility. It’s a document that indicates that you’ve met the car insurance requirements set by your state.

You’ll need an SR-22 if you’re to blame for a serious road accident, convicted of driving under the influence, being uninsured, or having too many moving violations. Such infractions will cause the state to suspend or revoke your license. You’ill need to file an SR-22 before the state can reinstate your driving license.

Why is an SR-22 Significant?

When you’re convicted of a serious traffic offense, it marks you as a high-risk driver, and this raises a red flag in the eyes of your insurer. High-risk drivers often make more claims from the insurance companies than regular motorists. As a result, your insurance premiums will skyrocket to serve as a deterrent and to accommodate the increased risks.

If your insurer doesn’t cover high-risk drivers, then you need to switch service providers. Depending on the traffic offense, you might be marked as a high-risk driver for up to five years.

Being convicted of a major traffic violation can leave a gaping hole in your wallet. It means that you must contend with high insurance premiums and provide proof of insurance.