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 filing, you might be feeling overwhelmed. While it may sound like a special type of insurance policy, an SR22 is actually a form submitted to the DMV required by the state in various circumstances. Let’s explore what SR22 insurance is, who needs it, how it works, and why choosing a trusted provider is essential.
What Is SR22 Insurance?
Despite the name, this document is not a standalone insurance type. It’s a certificate that your insurance provider files with the state to demonstrate that you have the minimum liability coverage by law. Consider it as a guarantee from your insurer that you’re insured while driving.
SR22 Requirement: Who Qualifies?
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
• Being uninsured while driving
• Multiple traffic violations
• Revoked or suspended license
The SR22 requirement is often part of the reinstatement process for your copyright after such offenses.
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 about 36 months. It’s crucial to keep the policy active during this time. If it is dropped, your insurer must notify the state, which could cause another license suspension.
What You’ll Pay for SR22 Insurance
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. Those with a poor driving record often face elevated costs, 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. 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 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 knows the process. They’ll help you meet state requirements, maintain your coverage, and find better pricing even with a poor 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 specializes in fast, affordable, and reliable SR22 filings for drivers who need to comply with DMV orders. Let sr22 insurance their experienced team support you every step of the way.