What to Know About the SR22 Insurance Requirement
What to Know About the SR22 Insurance Requirement
Blog Article
When you find out you need SR22 car insurance, you might be feeling uncertain. While it may sound like a special type of insurance policy, an SR22 is actually a certificate of financial responsibility needed 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 type. It’s a certificate that your auto insurance company files with the state to confirm that you have the state-required coverage by law. Think of it as a guarantee from your insurer that you’re covered while driving.
When Is SR22 Required?
You might be required to carry an SR22 if you’ve been involved in certain traffic-related offenses, such as:
• Substance-related driving charges
• Dangerous driving behavior
• Being uninsured while driving
• Numerous infractions
• Driver’s license issues
The SR22 requirement is often part of the reinstatement process for your copyright after such infractions.
SR22 Duration: How Long You’ll Need It
The duration you need to maintain SR22 coverage depends on state law, but in most cases, it’s required for a 3-year period. It’s crucial to keep the policy active during this time. If it lapses, 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 low—typically between $15 and $50. However, your insurance rates may rise 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 different companies.
How to Get SR22 Insurance
Follow these steps to obtain SR22 insurance:
1. Get in touch 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 file the SR22 form 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 sr22 insurance work with one that is experienced with the process.
Why Your SR22 Provider Matters
Not all insurance companies handle SR22 filings, so it’s best to go with a provider that is SR22-certified. They’ll help you meet state requirements, maintain your coverage, and find better pricing even with a blemished driving history.
If you're looking for a trusted 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 get back on the road. Let their experienced team work with you every step of the way.