Explaining SR22 Insurance
Explaining SR22 Insurance
Blog Article
If you've recently been told you need an SR22 filing, you might be feeling confused. While it may sound like a complicated type of insurance policy, an SR22 is actually a document filed with your state mandated by the state in particular circumstances. Let’s explore what SR22 insurance is, who needs it, how it works, and why finding the right company is essential.
What Is SR22 Insurance?
Despite the name, an SR22 is not a standalone insurance type. It’s a certificate that your auto insurance company files with the state to confirm that you have the mandatory insurance by law. Consider it as a guarantee from your insurer that you’re insured 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:
• Driving under the influence
• Reckless driving
• No proof of insurance
• Excessive traffic offenses
• Loss of driving privileges
The SR22 requirement is often part of the reinstatement process for your copyright after such offenses.
How Long Do You Keep SR22?
The period you need to maintain SR22 coverage depends on state law, but in most cases, it’s required for three years. It’s vital 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 minimal—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 more expensive policies, so it’s smart to compare quotes from multiple providers.
Getting Started With SR22
Follow these steps to obtain SR22 insurance:
1. Contact 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 proof once the state has accepted the filing.
Some companies don’t provide SR22 filings, so it’s important 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 knows the process. They’ll help you stay compliant, maintain your coverage, and possibly reduce your costs even with a poor driving history.
If you're looking for a professional SR22 insurance provider in sr22 insurance 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, and reliable SR22 filings for drivers who need to comply with DMV orders. Let their experienced team assist you every step of the way.