What to Know About SR-22 Car Insurance
What to Know About SR-22 Car Insurance
Blog Article
If you've been informed you need SR22 car insurance, you might be feeling overwhelmed. While it may sound like a special type of insurance policy, an SR22 is actually a document filed with your state requested by the state in specific circumstances. Let’s break down 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 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 compliant while driving.
SR22 Requirement: Who Qualifies?
You might be required to carry an SR22 if you’ve been involved in various traffic-related offenses, such as:
• Alcohol or drug-related offenses
• Reckless driving
• Being uninsured while driving
• Excessive traffic offenses
• Revoked or suspended license
The SR22 requirement is often included in the reinstatement process for your copyright after such violations.
SR22 Duration: How Long You’ll Need It
The period you need to maintain SR22 coverage is set by your DMV, but in most cases, it’s required for three years. It’s crucial to keep the policy active during this time. If it expires, your insurer must notify the state, which could result in another license suspension.
SR22 Cost Breakdown
The cost of filing an SR22 form is usually minimal—typically between $15 and $50. However, your insurance rates may be higher depending on your driving history and the reason for the SR22. Drivers with prior offenses often face more expensive policies, so it’s smart to compare quotes from multiple providers.
How to Get SR22 Insurance
Follow these steps to obtain SR22 insurance:
1. Contact your insurance provider and inform them you need an SR22.
2. Modify or start your auto insurance policy to meet state legal requirements.
3. Your insurer will send the documentation 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 wise to work with one that specializes in the process.
Finding a Trusted SR22 Insurance Company
Not all insurance companies handle SR22 filings, so it’s best to go with a provider that has experience. They’ll help you remain in good standing, maintain your coverage, and find better pricing even with a blemished driving history.
If you're looking for a local 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 sr22 insurance of Fort Lauderdale provides fast, affordable, and reliable SR22 filings for drivers who need to comply with DMV orders. Let their experienced team guide you every step of the way.