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 insurance, you might be feeling uncertain. While it may sound like a unique 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 partnering with the right insurer is essential.
Understanding the SR22 Form
Despite the name, SR22 insurance is not a standalone insurance type. It’s a certificate that your insurance provider files with the state to verify that you have the mandatory insurance by law. Consider 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 various traffic-related offenses, such as:
• Substance-related driving charges
• Careless driving
• Operating a vehicle without insurance
• Excessive traffic offenses
• Revoked or suspended license
The SR22 requirement is often a step in the reinstatement process for your copyright after such issues.
How Long Is SR22 Insurance Required?
The length of time you need to maintain SR22 coverage depends on state law, but in most cases, it’s required for a 3-year period. It’s essential to keep the policy active during this time. If it is dropped, your insurer must notify the state, which could cause another license suspension.
How Much Does SR22 Insurance Cost?
The cost of filing an SR22 form is usually inexpensive—typically between $15 and $50. However, your auto insurance premiums may increase depending on your driving history and the reason for the SR22. Drivers with prior offenses often face more expensive policies, so it’s smart to compare quotes from multiple providers.
Steps to Obtain SR22
Follow these steps to obtain SR22 insurance:
1. Contact 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 sr22 insurance work with one that is experienced with the process.
Finding a Trusted SR22 Insurance Company
Not all insurance companies offer SR22 filings, so it’s best to go with a provider that knows the process. They’ll help you stay compliant, maintain your coverage, and lower your insurance burden 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 offers fast, affordable, and reliable SR22 filings for drivers who need to comply with DMV orders. Let their experienced team guide you every step of the way.