What to Know About SR22 Insurance
If you've recently been told you need SR22 car insurance, you might be feeling unsure. While it may sound like a complicated type of insurance policy, an SR22 is actually a form submitted to the DMV requested by the state in certain circumstances. Let’s break down what SR22 insurance is, who needs it, how it works, and why partnering with the right insurer is essential.
What Is SR22 Insurance?
Despite the name, SR22 insurance is not a standalone coverage plan. It’s a certificate that your insurance provider files with the state to prove that you have the required insurance by law. You can think of it as a guarantee from your insurer that you’re covered while driving.
SR22 Requirement: Who Qualifies?
You might be required to carry an SR22 if you’ve been involved in specific traffic-related offenses, such as:
• Driving under the influence
• Careless driving
• Driving without insurance
• Excessive traffic offenses
• Loss of driving privileges
The SR22 requirement is often included in the reinstatement process for your copyright after such issues.
How Long Do You Keep SR22?
The length of time you need to maintain SR22 coverage is set by your DMV, but in most cases, it’s required for a 3-year period. It’s important to keep the policy active during this time. If it lapses, 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 affordable—typically between $15 and $50. However, your coverage costs may be higher depending on your driving history and the reason for the SR22. Those with a poor driving record often face higher rates, so it’s smart to compare quotes from different companies.
How Do You File for SR22?
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 sr22 insurance requirements.
3. Your insurer will send the documentation 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.
Select the Best SR22 Insurance Source
Not all insurance companies support 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 get affordable options 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 reinstate their license. Let their experienced team guide you every step of the way.