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 overwhelmed. While it may sound like a technical type of insurance policy, an SR22 is actually a document filed with your state mandated by the state in particular circumstances. Let’s clarify 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 insurance product. It’s a certificate that your insurer files with the state to verify that you have the mandatory insurance by law. Think of 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 certain traffic-related offenses, such as:
• DUI or DWI convictions
• Reckless driving
• Driving without insurance
• Multiple traffic violations
• License suspension or revocation
The SR22 requirement is often a condition of the reinstatement process for your copyright after such violations.
SR22 Duration: How Long You’ll Need It
The period you need to maintain SR22 coverage can differ by location, but in most cases, it’s required for about 36 months. 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 rise depending on your driving history and the reason for the SR22. High-risk drivers often face increased premiums, so it’s smart to compare quotes from various agencies.
Steps to Obtain SR22
Follow these steps to obtain SR22 insurance:
1. Speak 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 send the documentation with the state.
4. You’ll receive confirmation once the state has accepted the filing.
Some companies don’t provide SR22 filings, so it’s important to work with one that specializes in the process.
Why Your SR22 Provider sr22 insurance Matters
Not all insurance companies specialize in SR22 filings, so it’s best to go with a provider that is SR22-certified. They’ll help you avoid future issues, maintain your coverage, and possibly reduce your costs 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 provides fast, affordable, and reliable SR22 filings for drivers who need to reinstate their license. Let their experienced team support you every step of the way.