What to Know About SR-22 Car Insurance
What to Know About SR-22 Car Insurance
Blog Article
If you've recently been told you need SR22 insurance, you might be feeling overwhelmed. While it may sound like a complicated type of insurance policy, an SR22 is actually a form submitted to the DMV mandated by the state in various circumstances. Let’s look into 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 product. It’s a certificate that your auto insurance company files with the state to prove that you have the mandatory insurance by law. Imagine it as a guarantee from your insurer that you’re compliant while driving.
SR22 Requirement: Who Qualifies?
You might be required to carry an SR22 if you’ve been involved in specific traffic-related offenses, such as:
• DUI or DWI convictions
• Careless driving
• No proof of insurance
• Multiple traffic violations
• License suspension or revocation
The SR22 requirement is often included in the reinstatement process for your copyright after such offenses.
How Long Do You Keep SR22?
The duration you need to maintain SR22 coverage can differ by location, but in most cases, it’s required for a 3-year period. It’s essential to keep the policy active during this time. If it expires, 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 insurance rates may increase depending on your driving history and the reason for the SR22. Drivers with prior offenses often face increased premiums, so it’s smart to compare quotes from multiple providers.
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. Purchase or update your auto insurance policy to meet state legal requirements.
3. Your insurer will submit the certificate 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 recommended to sr22 insurance work with one that is experienced with the process.
Choosing the Right SR22 Provider
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 challenged driving history.
If you're looking for a trusted 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 specializes in fast, affordable, and reliable SR22 filings for drivers who need to reinstate their license. Let their experienced team work with you every step of the way.