Auto Insurance in Chicago, Illinois
Auto insurance is an essential financial product designed to provide financial protection in an accident or after theft or other damages. It is a safety net designed to help ensure that financial responsibilities are met without burdening the insured with overwhelming costs. Contact Universal Insurance Services today for a personalized auto insurance quote.
How Auto Insurance Works
When you purchase an auto insurance policy, you pay a premium in exchange for protection against specific financial losses outlined in the policy. This agreement between you and the insurance provider stipulates the terms under which the insurer may help cover costs associated with the following:
- Vehicle repairs or replacement due to accidents or theft
- Medical expenses for accident-related injuries
- Liability claims in an accident-causing injury or property damage to others
Insurance policies vary widely, with different types of coverage addressing various risks. It’s essential to understand the details of your policy—what it does and doesn’t cover—to ensure you have the appropriate level of protection.
Where to Get Car Insurance
Universal Insurance Services in Chicago, Illinois, can help Illinois drivers get appropriate car insurance coverage. Contact us today to start comparing auto insurance quotes.
SR-22
SR-22 insurance, often misunderstood as a type of insurance, is a certificate verifying that a driver carries the minimum auto insurance required by their state. It may be necessary for specific drivers with serious traffic offenses.
Contact Universal Insurance Services in Chicago, Illinois, for a personalized quote for SR-22-compliant auto insurance.
What Does SR-22 Insurance Cover?
SR-22 insurance doesn’t provide coverage in itself—it’s a form your insurance company files with the state to prove you have an active policy that meets state minimums, typically including auto liability insurance.
When Is SR22 Insurance Required?
Several circumstances might necessitate an SR-22 filing, including but not limited to:
- DUI or DWI convictions
- Accumulating excessive points on your driving record
- Being involved in an accident without sufficient insurance
- Reinstating a suspended or revoked license
Navigating SR-22 Insurance Cost and Policies
The insurance cost for SR-22 can vary, often depending on the reason for the SR-22 requirement and your driving history. While the certificate is not expensive, the associated insurance premiums might be higher due to the increased risk perceived by insurers.
Contact Us
Contact Universal Insurance Services in Chicago, Illinois, today for your SR-22 insurance needs.