What to Know About the SR22 Insurance Requirement
What to Know About the SR22 Insurance Requirement
Blog Article
If you've been informed you need an SR22 certificate, you might be feeling confused. While it may sound like a unique type of insurance policy, an SR22 is actually a certificate of financial responsibility mandated by the state in particular 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, an SR22 is not a standalone insurance type. It’s a certificate that your auto insurance company files with the state to verify that you have the minimum liability coverage by law. Think of it as a guarantee from your insurer that you’re covered while driving.
Who Needs SR22 Insurance?
You might be required to carry an SR22 if you’ve been involved in multiple traffic-related offenses, such as:
• DUI or DWI convictions
• Reckless driving
• Driving without insurance
• Frequent citations
• Driver’s license issues
The SR22 requirement is often a condition of the reinstatement process for your copyright after such violations.
How Long Is SR22 Insurance Required?
The duration 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 during this time. If it is dropped, your insurer must notify the state, which could result in another license suspension.
SR22 Cost Breakdown
The cost of filing an SR22 form is usually low—typically between $15 and $50. However, your auto insurance premiums may go up depending sr22 insurance on your driving history and the reason for the SR22. Those with a poor driving record 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. Speak with 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 proof 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.
Why Your SR22 Provider Matters
Not all insurance companies specialize in SR22 filings, so it’s best to go with a provider that has experience. 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 local 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 get back on the road. Let their experienced team guide you every step of the way.