Chicago SR22 Car Insurance Rate

Reader’s Question:

Is it possible that your insurance carrier in Chicago will never find out about your DWI conviction if you don’t get an SR-22 insurance?

Red

Chicago, IL

Thanks for asking. Yes, it is possible to happen. Due to lack of shared information between motor vehicle departments and the court, your motor vehicle record may go unblemished. As we all know, histories of accidents, drunk-driving convictions and tickets are not always reflected in your motor vehicle record. Or, in some cases, an infraction has been erased by some sheer of fate.

Slipping through the cracks of red tape may not get you off the hook for long. Most insurance providers in Chicago check your motor vehicle records once every 3 years or when you’re applying for a new insurance policy. Once your insurance carrier discovers that you’ve been once convicted of DWI, you’ll have two issues to be ready of. One, your insurance carrier will most likely raise your insurance rate and label you as a high-risk motorist. Second, they will terminate your insurance mid-term or cancel the policy at the end of the term. So, in the end, not getting an SR-22 may not be a good idea after all.