What to Know About SR22 Insurance
In case you were recently notified you need SR22 insurance, you might be feeling uncertain. While it may sound like a special type of insurance policy, an SR22 is actually a state-required form mandated by the state in certain circumstances. Let’s look into what SR22 insurance is, who needs it, how it works, and why partnering with the right insurer is essential.
SR22 Insurance Explained
Despite the name, SR22 insurance is not a standalone insurance type. It’s a certificate that your insurance provider files with the state to prove that you have the state-required coverage by law. You can think of it as a guarantee from your insurer that you’re compliant while driving.
When Is SR22 Required?
You might be required to carry an SR22 if you’ve been involved in multiple traffic-related offenses, such as:
• Driving under the influence
• Hazardous driving
• Being uninsured while driving
• Frequent citations
• Revoked or suspended license
The SR22 requirement is often included in the reinstatement process for your copyright after such violations.
SR22 Time Requirement Explained
The period you need to maintain SR22 coverage can differ by location, 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 rise depending on your driving history and the reason for the SR22. Drivers with violations often face higher rates, so it’s smart to compare quotes from different companies.
Steps to Obtain SR22
Follow these steps to obtain SR22 insurance:
1. Call sr22 insurance 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 verification once the state has accepted the filing.
Some companies don’t provide SR22 filings, so it’s crucial to work with one that can handle the process.
Why Your SR22 Provider Matters
Not all insurance companies offer SR22 filings, so it’s best to go with a provider that focuses on these cases. They’ll help you stay compliant, maintain your coverage, and get affordable options even with a blemished 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 provides fast, affordable, and reliable SR22 filings for drivers who need to get back on the road. Let their experienced team work with you every step of the way.