What to Know About SR22 Insurance
What to Know About SR22 Insurance
Blog Article
In case you were recently notified 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 certificate of financial responsibility needed by the state in specific 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, this document 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 required insurance by law. Think of it as a guarantee from your insurer that you’re insured while driving.
Do You Need an SR22?
You might be required to carry an SR22 if you’ve been involved in multiple traffic-related offenses, such as:
• Driving under the influence
• Careless driving
• Driving without insurance
• Frequent citations
• Revoked or suspended license
The SR22 requirement is often a step in the reinstatement process for your copyright after such violations.
SR22 Time Requirement Explained
The duration you need to maintain SR22 coverage varies by state, but in most cases, it’s required for about 36 months. It’s crucial to keep the policy active during this time. If it gets canceled, 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 low—typically between $15 and $50. However, your monthly fees may go up depending on your driving history and the reason for the SR22. Drivers with violations often face more expensive policies, 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 requirements.
3. Your insurer will submit the certificate 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 crucial to work with one that can handle the process.
Finding a Trusted SR22 Insurance Company
Not all insurance companies support SR22 filings, so it’s best to go with a provider that has experience. They’ll help you meet state requirements, maintain your coverage, and possibly reduce your costs even with a challenged driving history.
If you're looking for a professional 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 support you every step of the way.