Explaining SR22 Insurance
Explaining SR22 Insurance
Blog Article
In case you were recently notified you need SR22 insurance, you might be feeling overwhelmed. While it may sound like a unique type of insurance policy, an SR22 is actually a certificate of financial responsibility required by the state in various circumstances. Let’s look into 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 product. It’s a certificate that your auto insurance company files with the state to demonstrate that you have the state-required coverage by law. Think of it as a guarantee from your insurer that you’re covered 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:
• Substance-related driving charges
• Dangerous driving behavior
• Being uninsured while driving
• Numerous infractions
• Driver’s license issues
The SR22 requirement is often part of the reinstatement process for your copyright after such issues.
SR22 Duration: How Long You’ll Need It
The period you need to maintain SR22 coverage varies by state, but in most cases, it’s required for several years. It’s crucial to keep the policy active during this time. If it is dropped, your insurer must notify the state, which could lead to 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 coverage costs may be higher 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. Adjust or begin 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 wise to work with one that specializes in the process.
Finding a Trusted SR22 Insurance Company
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 avoid future issues, maintain your coverage, and lower your insurance burden even with a problematic 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, sr22 insurance and reliable SR22 filings for drivers who need to comply with DMV orders. Let their experienced team assist you every step of the way.