What to Know About SR22 Insurance
What to Know About SR22 Insurance
Blog Article
In case you were recently notified you need SR22 insurance, you might be feeling overwhelmed. While it may sound like a technical type of insurance policy, an SR22 is actually a state-required form mandated by the state in specific circumstances. Let’s look into what SR22 insurance is, who needs it, how it works, and why partnering with the right insurer is essential.
What Is SR22 Insurance?
Despite the name, this document is not a standalone insurance policy. It’s a certificate that your insurer files with the state to confirm 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.
Do You Need an SR22?
You might be required to carry an SR22 if you’ve been involved in certain traffic-related offenses, such as:
• DUI or DWI convictions
• Reckless driving
• No proof of insurance
• Excessive traffic offenses
• Loss of driving privileges
The SR22 requirement is often included in the reinstatement process for your copyright after such issues.
SR22 Time Requirement Explained
The length of time you need to maintain SR22 coverage can differ by location, but in most cases, it’s required for three years. It’s essential to keep the policy active during this time. If it is dropped, your insurer must notify the state, which could result in another license suspension.
How Much Does SR22 Insurance Cost?
The cost of filing an SR22 form is usually minimal—typically between $15 and $50. However, your monthly fees may rise depending on your driving history and the reason for the SR22. Drivers with prior offenses often face elevated costs, so it’s smart to compare quotes from various agencies.
How Do You File for 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 sr22 insurance meet state legal requirements.
3. Your insurer will send the documentation 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 wise to work with one that can handle the process.
Choosing the Right SR22 Provider
Not all insurance companies support SR22 filings, so it’s best to go with a provider that focuses on these cases. They’ll help you avoid future issues, maintain your coverage, and possibly reduce your costs even with a poor driving history.
If you're looking for a professional 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 specializes in 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.