What to Know About SR22 Insurance
What to Know About SR22 Insurance
Blog Article
If you've recently been told you need an SR22 certificate, you might be feeling unsure. While it may sound like a technical type of insurance policy, an SR22 is actually a form submitted to the DMV required by the state in various circumstances. Let’s break down what SR22 insurance is, who needs it, how it works, and why choosing a trusted provider is essential.
Understanding the SR22 Form
Despite the name, an SR22 is not a standalone insurance product. It’s a certificate that your insurance provider files with the state to demonstrate that you have the minimum liability coverage by law. Consider it as a guarantee from your insurer that you’re financially responsible while driving.
Who Needs SR22 Insurance?
You might be required to carry an SR22 if you’ve been involved in multiple traffic-related offenses, such as:
• Driving under the influence
• Reckless driving
• No proof of insurance
• Numerous infractions
• Loss of driving privileges
The SR22 requirement is often a step in the reinstatement process for your copyright after such offenses.
SR22 Duration: How Long You’ll Need It
The length of time 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 expires, your insurer must notify the state, which could result in 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 auto insurance premiums may go up depending on your driving history and the reason for the SR22. Those with a poor driving record often face increased premiums, so it’s smart to compare quotes from several insurers.
Steps to Obtain SR22
Follow these steps to obtain SR22 insurance:
1. Call 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 file the SR22 form 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 important to work with one that can handle the process.
Choosing the Right SR22 Provider
Not all insurance companies support SR22 filings, so it’s best to go with a provider that is SR22-certified. They’ll help you remain in good standing, maintain your coverage, and find better pricing 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 provides fast, affordable, and reliable SR22 filings for drivers who need to reinstate their license. Let their sr22 insurance experienced team guide you every step of the way.