What to Know About SR-22 Car Insurance
What to Know About SR-22 Car Insurance
Blog Article
When you find out you need an SR22 filing, you might be feeling overwhelmed. While it may sound like a complicated type of insurance policy, an SR22 is actually a state-required form needed by the state in particular circumstances. Let’s break down what SR22 insurance is, who needs it, how it works, and why finding the right company 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 state-required coverage 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 various traffic-related offenses, such as:
• Substance-related driving charges
• Careless driving
• Operating a vehicle without insurance
• Frequent citations
• License suspension or revocation
The SR22 requirement is often a step in the reinstatement process for your copyright after such violations.
How Long Is SR22 Insurance Required?
The length of time you need to maintain SR22 coverage depends on state law, but in most cases, it’s required for three years. It’s vital to keep the policy active during this time. If it is dropped, 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 auto insurance premiums may rise 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 various agencies.
Steps to Obtain SR22
Follow these steps to obtain SR22 insurance:
1. Get in touch 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 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 crucial to work with one that is experienced with the process.
Choosing the Right SR22 Provider
Not all insurance companies handle 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 find better pricing even with a problematic driving history.
If you're looking for a reliable SR22 insurance provider in Fort Lauderdale, here’s a highly recommended option:
Name: SR22 Direct of Fort Lauderdale
Address: 3511 W Commercial Blvd, sr22 insurance 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 comply with DMV orders. Let their experienced team support you every step of the way.