What to Know About SR-22 Car Insurance
In case you were recently notified you need SR22 insurance, you might be feeling uncertain. While it may sound like a technical type of insurance policy, an SR22 is actually a state-required form mandated by the state in specific circumstances. Let’s break down what SR22 insurance is, who needs it, how it works, and why finding the right company is essential.
What Does SR22 Mean?
Despite the name, an SR22 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. Think of it as a guarantee from your insurer that you’re insured while driving.
Do You Need an SR22?
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
• Driving without insurance
• Frequent citations
• Driver’s license issues
The SR22 requirement is often included in the reinstatement process for your copyright after such offenses.
SR22 Time Requirement Explained
The length of time you need to maintain SR22 coverage is set by your DMV, but in most cases, it’s required for three years. It’s important to keep the policy active during this time. If it is dropped, your insurer must notify the state, which could cause another license suspension.
SR22 Cost Breakdown
The cost of filing an SR22 form is usually low—typically between $15 and $50. However, your monthly fees may be higher depending on your driving history and the reason for the SR22. Drivers with violations often face elevated costs, so it’s smart to compare quotes from different companies.
How Do You File for SR22?
Follow these steps to obtain SR22 insurance:
1. Get in touch with 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 sr22 insurance one that is experienced with 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 is SR22-certified. They’ll help you avoid future issues, maintain your coverage, and get affordable options even with a challenged 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 experienced team support you every step of the way.