Breaking Down the SR22 Insurance Requirement
Breaking Down the SR22 Insurance Requirement
Blog Article
In case you were recently notified you need an SR22 certificate, you might be feeling overwhelmed. While it may sound like a unique type of insurance policy, an SR22 is actually a document filed with your state requested by the state in particular circumstances. Let’s break down what SR22 insurance is, who needs it, how it works, and why finding the right company is essential.
SR22 Insurance Explained
Despite the name, this document is not a standalone insurance type. It’s a certificate that your insurance provider files with the state to prove that you have the state-required coverage by law. Think of it as a guarantee from your insurer that you’re insured 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:
• DUI or DWI convictions
• Careless driving
• No proof of insurance
• Excessive traffic offenses
• Driver’s license issues
The SR22 requirement is often a step in the reinstatement process for your copyright after such offenses.
How Long Is SR22 Insurance Required?
The length of time you need to maintain SR22 coverage depends on state law, but in most cases, it’s required for about 36 months. It’s important to keep the policy active during this time. If it lapses, your insurer must notify the state, which could result in another license suspension.
How Much Does SR22 Insurance Cost?
The cost of filing an SR22 form is usually inexpensive—typically between $15 and $50. However, your auto insurance premiums may be higher depending on your driving history and the reason for the SR22. Drivers with prior offenses often face more expensive policies, so it’s smart to compare quotes from different companies.
Getting Started With SR22
Follow these steps to obtain SR22 insurance:
1. Call your insurance provider and inform them you need an SR22.
2. Purchase or update 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 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.
Finding a Trusted SR22 Insurance Company
Not all insurance companies offer SR22 filings, so it’s best to go with a provider that is SR22-certified. They’ll help you remain in good standing, maintain your coverage, and possibly reduce your costs even with a problematic 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 offers fast, affordable, and reliable SR22 filings for drivers who need to comply with DMV orders. Let their experienced team assist you every step of the way.