What to Know About the SR22 Insurance Requirement
What to Know About the SR22 Insurance Requirement
Blog Article
If you've recently been told you need an SR22 certificate, you might be feeling unsure. While it may sound like a technical type of insurance policy, an SR22 is actually a certificate of financial responsibility requested by the state in specific circumstances. Let’s explore what SR22 insurance is, who needs it, how it works, and why partnering with the right insurer is essential.
SR22 Insurance Explained
Despite the name, this document is not a standalone insurance product. It’s a certificate that your auto insurance company files with the state to demonstrate that you have the minimum liability coverage by law. Consider it as a guarantee from your insurer that you’re covered while driving.
Do You Need an SR22?
You might be required to carry an SR22 if you’ve been involved in specific traffic-related offenses, such as:
• DUI or DWI convictions
• Dangerous driving behavior
• No proof of insurance
• Multiple traffic violations
• Driver’s license issues
The SR22 requirement is often a condition of the reinstatement process for your copyright after such infractions.
How Long Do You Keep SR22?
The period you need to maintain SR22 coverage is set by your DMV, but in most cases, it’s required for three years. It’s crucial to keep the policy active during this time. If it expires, your insurer must notify the state, which could lead to another license suspension.
SR22 Cost Breakdown
The cost of filing an SR22 form is usually minimal—typically between $15 and $50. However, your insurance rates may rise depending on your driving history and the reason for the SR22. Drivers with prior sr22 insurance offenses often face more expensive policies, so it’s smart to compare quotes from several insurers.
Steps to Obtain SR22
Follow these steps to obtain SR22 insurance:
1. Call your insurance provider and inform them you need an SR22.
2. Adjust or begin your auto insurance policy to meet state legal requirements.
3. Your insurer will submit the certificate with the state.
4. You’ll receive verification once the state has accepted the filing.
Some companies don’t provide SR22 filings, so it’s crucial to work with one that specializes in the process.
Finding a Trusted SR22 Insurance Company
Not all insurance companies handle SR22 filings, so it’s best to go with a provider that knows the process. They’ll help you remain in good standing, maintain your coverage, and find better pricing even with a challenged driving history.
If you're looking for a reliable SR22 insurance provider in Fort Lauderdale, here’s a highly recommended option:
Name: SR22 Direct of Fort Lauderdale
Address: 3511 W Commercial Blvd, Fort Lauderdale, FL 33309
Phone: (954) 947-0494
Website: https://sr22direct.com/locations/fort-lauderdale-sr22-insurance/
SR22 Direct of Fort Lauderdale provides fast, affordable, and reliable SR22 filings for drivers who need to reinstate their license. Let their experienced team support you every step of the way.