Explaining the SR22 Insurance Requirement
Explaining the SR22 Insurance Requirement
Blog Article
When you find out you need SR22 insurance, you might be feeling confused. While it may sound like a complicated type of insurance policy, an SR22 is actually a form submitted to the DMV required by the state in specific circumstances. Let’s explore what SR22 insurance is, who needs it, how it works, and why finding the right company is essential.
What Is SR22 Insurance?
Despite the name, SR22 insurance is not a standalone insurance product. It’s a certificate that your auto insurance company files with the state to prove that you have the state-required coverage by law. Consider it as a guarantee from your insurer that you’re financially responsible while driving.
When Is SR22 Required?
You might be required to carry an SR22 if you’ve been involved in multiple traffic-related offenses, such as:
• Alcohol or drug-related offenses
• Careless driving
• Operating a vehicle without insurance
• Numerous infractions
• License suspension or revocation
The SR22 requirement is often included in the reinstatement process for your copyright after such violations.
How Long Do You Keep SR22?
The duration you need to maintain SR22 coverage depends on state law, but in most cases, it’s required for three years. It’s essential to keep the policy active during this time. If it expires, your insurer must notify the state, which could cause another license suspension.
SR22 Insurance Pricing
The cost of filing an SR22 form is usually low—typically between $15 and $50. However, your monthly fees may be higher depending on your driving history and the reason for the SR22. Drivers with violations often face increased premiums, 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 send the documentation with the state.
4. You’ll receive proof once the state has accepted the filing.
Some companies don’t provide SR22 filings, so it’s recommended to work with one that is experienced with the process.
Choosing the Right SR22 Provider
Not all insurance companies specialize in SR22 filings, so it’s best to go with sr22 insurance a provider that is SR22-certified. They’ll help you remain in good standing, maintain your coverage, and lower your insurance burden even with a blemished 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 provides fast, affordable, and reliable SR22 filings for drivers who need to reinstate their license. Let their experienced team assist you every step of the way.