What to Know About the SR22 Insurance Requirement
What to Know About the SR22 Insurance Requirement
Blog Article
In case you were recently notified you need SR22 car insurance, you might be feeling overwhelmed. While it may sound like a special type of insurance policy, an SR22 is actually a certificate of financial responsibility requested by the state in specific circumstances. Let’s look into what SR22 insurance is, who needs it, how it works, and why finding the right company is essential.
Understanding the SR22 Form
Despite the name, SR22 insurance is not a standalone insurance product. It’s a certificate that your insurer files with the state to demonstrate that you have the minimum liability coverage by law. You can think of it as a guarantee from your insurer that you’re insured while driving.
Who Needs SR22 Insurance?
You might be required to carry an SR22 if you’ve been involved in specific traffic-related offenses, such as:
• DUI or DWI convictions
• Reckless driving
• Operating a vehicle without insurance
• Frequent citations
• License suspension or revocation
The SR22 requirement is often included in the reinstatement process for your copyright after such infractions.
How Long Do You Keep SR22?
The period you need to maintain SR22 coverage varies by state, but in most cases, it’s required for three years. It’s vital to keep the policy active sr22 insurance during this time. If it is dropped, your insurer must notify the state, which could cause another license suspension.
What You’ll Pay for SR22 Insurance
The cost of filing an SR22 form is usually minimal—typically between $15 and $50. However, your auto insurance premiums may be higher depending on your driving history and the reason for the SR22. High-risk drivers often face higher rates, so it’s smart to compare quotes from several insurers.
How to Get SR22 Insurance
Follow these steps to obtain SR22 insurance:
1. Speak with your insurance provider and inform them you need an SR22.
2. Purchase or update your auto insurance policy to meet state legal requirements.
3. Your insurer will submit the certificate with the state.
4. You’ll receive notice once the state has accepted the filing.
Some companies don’t provide SR22 filings, so it’s important to work with one that is experienced with the process.
Why Your SR22 Provider Matters
Not all insurance companies offer SR22 filings, so it’s best to go with a provider that is SR22-certified. They’ll help you remain in good standing, maintain your coverage, and possibly reduce your costs even with a problematic 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 offers fast, affordable, and reliable SR22 filings for drivers who need to comply with DMV orders. Let their experienced team support you every step of the way.