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 insurance, you might be feeling confused. While it may sound like a technical type of insurance policy, an SR22 is actually a document filed with your state needed by the state in certain circumstances. Let’s clarify what SR22 insurance is, who needs it, how it works, and why choosing a trusted provider is essential.
What Does SR22 Mean?
Despite the name, an SR22 is not a standalone coverage plan. It’s a certificate that your insurer files with the state to confirm that you have the required insurance by law. You can think of it as a guarantee from your insurer that you’re compliant 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
• Dangerous driving behavior
• No proof of insurance
• Frequent citations
• Driver’s license issues
The SR22 requirement is often part of the reinstatement process for your copyright after such infractions.
How Long Do You Keep SR22?
The period you need to maintain SR22 coverage varies by state, but in most cases, it’s required for three years. It’s important to keep the policy active during this time. If it expires, your insurer must notify the state, which could lead to another license suspension.
SR22 Cost sr22 insurance Breakdown
The cost of filing an SR22 form is usually minimal—typically between $15 and $50. However, your insurance rates may go up 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. Get in touch with your insurance provider and inform them you need an SR22.
2. Modify or start 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 recommended to 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 focuses on these cases. They’ll help you remain in good standing, maintain your coverage, and lower your insurance burden 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 specializes in fast, affordable, and reliable SR22 filings for drivers who need to comply with DMV orders. Let their experienced team support you every step of the way.