What to Know About the SR22 Insurance Requirement
When you find out 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 state-required form requested by the state in certain circumstances. Let’s explore what SR22 insurance is, who needs it, how it works, and why working with a reliable agency is essential.
Understanding the SR22 Form
Despite the name, an SR22 is not a standalone insurance product. It’s a certificate that your insurer files with the state to confirm that you have the minimum liability coverage by law. Imagine it as a guarantee from your insurer that you’re financially responsible 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:
• Substance-related driving charges
• Hazardous driving
• No proof of insurance
• Numerous infractions
• Driver’s license issues
The SR22 requirement is often a step in the reinstatement process for your copyright after such violations.
SR22 Duration: How Long You’ll Need It
The length of time you need to maintain SR22 coverage can differ by location, but in most cases, it’s required for three years. It’s essential to keep the policy active during this time. If it lapses, your insurer must notify the state, which could lead to another license suspension.
How Much Does SR22 Insurance Cost?
The cost of filing an SR22 form is usually minimal—typically between $15 and $50. However, your auto insurance premiums may go up depending on your driving history and the reason for the SR22. Drivers with prior offenses often face increased premiums, so it’s smart to compare quotes from different companies.
How to Get SR22 Insurance
Follow these steps to obtain SR22 insurance:
1. Call 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 verification once the state has accepted the filing.
Some companies don’t provide SR22 filings, so it’s recommended to work with one that can handle the process.
Finding a Trusted SR22 Insurance Company
Not all insurance companies handle SR22 filings, so it’s best to go with a provider that has experience. They’ll help you remain in good standing, sr22 insurance maintain your coverage, and get affordable options even with a challenged 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 specializes in 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.