What to Know About the SR22 Insurance Requirement
If you've been informed you need SR22 car insurance, you might be feeling overwhelmed. While it may sound like a unique type of insurance policy, an SR22 is actually a state-required form needed by the state in particular circumstances. Let’s clarify what SR22 insurance is, who needs it, how it works, and why working with a reliable agency is essential.
SR22 Insurance Explained
Despite the name, SR22 insurance is not a standalone insurance type. It’s a certificate that your insurer files with the state to prove that you have the mandatory insurance by law. You can think of it as a guarantee from your insurer that you’re covered 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:
• Alcohol or drug-related offenses
• Hazardous driving
• Operating a vehicle without insurance
• Frequent citations
• Revoked or suspended license
The SR22 requirement is often included in the reinstatement process for your copyright after such violations.
How Long Do You Keep SR22?
The duration you need to maintain SR22 coverage depends on state law, but in most cases, it’s required for about 36 months. 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.
SR22 Insurance Pricing
The cost of filing an SR22 form is usually inexpensive—typically between $15 and $50. However, your auto insurance premiums may be higher depending on your driving history and the reason for the SR22. Drivers with prior offenses often face elevated costs, so it’s smart to compare quotes from several insurers.
How to Get SR22 Insurance
Follow these steps to obtain SR22 insurance:
1. Speak 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 confirmation once the state has accepted the filing.
Some companies don’t provide SR22 filings, so it’s recommended to work with one that specializes in the process.
Select the Best SR22 Insurance Source
Not all insurance companies support SR22 filings, so it’s best to go with a provider that focuses on these cases. They’ll help sr22 insurance you remain in good standing, maintain your coverage, and possibly reduce your costs even with a poor 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, Fort Lauderdale, FL 33309
Phone: (954) 947-0494
Website: https://sr22direct.com/locations/fort-lauderdale-sr22-insurance/
SR22 Direct of Fort Lauderdale offers 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.