SR22 violations include driving without insurance, accident with out Insurance, driving under the influence, driving on suspended/expired/revoked driver's license, expired license plates, reckless driving or three moving violations in a 12 month period. 

Financial Responsibility Insurance is required in Illinois by individuals with safety responsibility suspensions, unsatisfied judgment suspensions, revocations, mandatory insurance supervisions and individuals who receive three or more convictions for mandatory insurance violations.

What is the SR-22?

An SR-22 is a certificate of insurance filed by an insurance company directly to the Secretary of State. The SR-22 certificate is issued in one of the following forms: 
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.
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".
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 an insurance company that is authorized to write SR-22 policies for Illinois. When payment is made to an insurance agency, the agent will submit a request for an SR-22 certificate to the central office. The SR-22 certificate will then be sent directly to the Secretary of State in Springfield. This process may take up to 30 days. 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.