Explaining the SR22 Insurance Requirement
In case you were recently notified you need SR22 car insurance, you might be feeling unsure. While it may sound like a technical type of insurance policy, an SR22 is actually a certificate of financial responsibility mandated by the state in certain circumstances. Let’s clarify what SR22 insurance is, who needs it, how it works, and why working with a reliable agency is essential.
What Is SR22 Insurance?
Despite the name, an SR22 is not a standalone insurance type. It’s a certificate that your auto insurance company files with the state to verify that you have the required insurance by law. You can think of it as a guarantee from your insurer that you’re compliant while driving.
Who Needs SR22 Insurance?
You might be required to carry an SR22 if you’ve been involved in specific traffic-related offenses, such as:
• Driving under the influence
• Hazardous driving
• Being uninsured while driving
• Excessive traffic offenses
• Revoked or suspended license
The SR22 requirement is often a condition of the reinstatement process for your copyright after such infractions.
How Long Do You Keep SR22?
The period you need to maintain SR22 coverage varies by state, but in most cases, it’s required for three years. It’s important to keep the policy active during this time. If it expires, 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 inexpensive—typically between $15 and $50. However, your monthly fees may rise depending on your driving history and the reason for the SR22. Drivers with violations often face higher rates, so it’s smart to compare quotes from various agencies.
Getting Started sr22 insurance 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 confirmation 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.
Choosing the Right SR22 Provider
Not all insurance companies offer 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 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 offers fast, 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.