What to Know About SR22 Auto Insurance
When you find out you need SR22 insurance, you might be feeling uncertain. While it may sound like a unique type of insurance policy, an SR22 is actually a form submitted to the DMV mandated by the state in various circumstances. Let’s break down 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, SR22 insurance is not a standalone insurance policy. It’s a certificate that your insurance copyright files with the state to prove that you have the required insurance by law. Imagine 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 specific traffic-related offenses, such as:
• Substance-related driving charges
• Careless driving
• Being uninsured while driving
• Excessive traffic offenses
• Revoked or suspended license
The SR22 requirement is often included in the reinstatement process for your copyright after such offenses.
SR22 Time Requirement Explained
The period you need to maintain SR22 coverage can differ by location, but in most cases, it’s required for a 3-year period. 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 minimal—typically between $15 and $50. However, your insurance rates may rise depending on your driving history and the reason for the SR22. Those with a poor driving record often face elevated costs, so it’s smart to compare quotes from several insurers.
How Do You File for SR22?
Follow these steps to obtain SR22 insurance:
1. Call 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 file the SR22 form 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 sr22 insurance specializes in 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 is SR22-certified. They’ll help you stay compliant, maintain your coverage, and get affordable options 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 provides fast, 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.