Breaking Down the SR22 Insurance Requirement
In case you were recently notified you need an SR22 certificate, you might be feeling uncertain. While it may sound like a unique type of insurance policy, an SR22 is actually a certificate of financial responsibility required by the state in specific circumstances. Let’s look into 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 policy. It’s a certificate that your auto insurance company files with the state to prove that you have the minimum liability coverage by law. You can think of it as a guarantee from your insurer that you’re insured while driving.
When Is SR22 Required?
You might be required to carry an SR22 if you’ve been involved in various traffic-related offenses, such as:
• DUI or DWI convictions
• Reckless driving
• No proof of insurance
• Numerous infractions
• Loss of driving privileges
The SR22 requirement is often included in the reinstatement process for your copyright after such issues.
SR22 Duration: How Long You’ll Need It
The period you need to maintain SR22 coverage varies by state, but in most cases, it’s required for several years. It’s essential to keep the policy active during this time. If it gets canceled, your insurer must notify the state, which could cause another license suspension.
How Much Does SR22 Insurance Cost?
The cost of filing an SR22 form is usually low—typically between $15 and $50. However, your insurance rates may go up depending on your driving history and the reason for the SR22. High-risk drivers often face more expensive policies, so it’s smart to compare quotes from various agencies.
Getting Started With SR22
Follow these steps to obtain SR22 insurance:
1. Speak with your insurance provider and inform them you need an SR22.
2. Purchase or update your auto insurance policy to meet state legal requirements.
3. Your insurer will file the SR22 form 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 wise to work with one that is experienced with the process.
Select the Best SR22 Insurance Source
Not all insurance companies specialize in 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 find better pricing even with a blemished 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, sr22 insurance affordable, and reliable SR22 filings for drivers who need to get back on the road. Let their experienced team assist you every step of the way.