Can I get SR-22 insurance without a valid license?
SR-22 insurance is a type of car insurance that is typically required for drivers who have been convicted of certain traffic violations. If you have been caught driving without insurance, you may be required to get SR-22 insurance to reinstate your license. But what if you don’t have a valid license in the first place? Can you still get SR-22 insurance? The answer may surprise you.
What is SR-22 insurance?
SR-22 is a type of car insurance required for high-risk drivers. If you are required to have SR-22 insurance, it means that you have been convicted of a serious traffic violation, such as DUI/DWI, and that you are considered a high-risk driver. Your insurance company will file an SR-22 form with the DMV, verifying that you have the minimum liability insurance coverage.
Types of SR-22 Certificates
There are three types of SR-22 certificates: owner, operator, and lienholder.
· An owner’s certificate is filed by the vehicle owner and covers both the owner and any drivers listed on the policy.
· An operator’s certificate is filed by the insurance company and lists only the named insured driver.
· A lienholder’s certificate is filed by the insurance company and lists only the drivers who are specifically named on the loan or lease agreement for the vehicle.
Do you need a valid license to get SR-22 insurance?
If you’re caught driving without valid car insurance, you may be required to get SR-22 insurance. SR-22 is high-risk auto insurance that proves to the state that you’re financially responsible for any damages or injuries you may cause while driving.
While you can technically get SR-22 insurance without a valid license, it’s not recommended. For one, it’s illegal to drive without a valid license. And two, if you do cause an accident while driving without a valid license, your SR-22 insurance will likely be invalidated, meaning you’ll be on the hook for any damages or injuries yourself.
How Do You Get SR-22 Insurance Without A Valid License?
Getting SR-22 insurance without a valid license is possible, but it is not recommended. If you are caught driving without a valid license, you may be required to show proof of financial responsibility in the form of an SR-22 insurance policy.
If you do not have a driver’s license, the DMV assigns a number to any traffic offenses you commit. This ID number can be used to obtain information from a valid driver’s license. Your record will reflect the violations for three to five years. After that, a motor vehicle report is run using a DMV-issued ID or a temporary number to verify details.
What If I Have a Driver’s License but Not a Car?
If you have a driver’s license but no car, you can still get SR- 22 insurance. You will need to purchase a non-owner’s policy, a type of insurance that covers you while you are operating a vehicle you do not own. This type of policy is typically less expensive than a standard auto insurance policy, and it will still provide you with the coverage you need in the event of an accident.
Get Affordable SR-22 Insurance with Illinois Drivers Insurance
If you’re looking for SR-22 insurance but don’t have a valid driver’s license, Illinois Drivers Insurance can help. We offer affordable SR-22 insurance to drivers in Illinois who need it. Whether you’re trying to get your license back or require proof of financial responsibility, we can help you get the coverage you need at the cheapest rates possible. Contact us today to learn more about our auto insurance options.