What to Know About SR22 Insurance
If you've been informed you need an SR22 certificate, 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 required by the state in particular circumstances. Let’s clarify 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, an SR22 is not a standalone insurance type. It’s a certificate that your insurance provider files with the state to confirm that you have the state-required coverage by law. Imagine it as a guarantee from your insurer that you’re covered while driving.
Do You Need an SR22?
You might be required to carry an SR22 if you’ve been involved in specific traffic-related offenses, such as:
• Substance-related driving charges
• Careless driving
• Operating a vehicle without insurance
• Excessive traffic offenses
• Loss of driving privileges
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 can differ by location, but in most cases, it’s required for three years. It’s essential to keep the policy active during this time. If it lapses, your insurer must notify the state, which could cause another license suspension.
SR22 Insurance Pricing
The cost of filing an SR22 form is usually low—typically between $15 and $50. However, your coverage costs may be higher depending on your driving history and the reason for the SR22. Drivers with violations often face more expensive policies, so it’s smart to compare quotes from several insurers.
How Do You File for SR22?
Follow these steps to obtain SR22 insurance:
1. Contact 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 file the SR22 form with the state.
4. You’ll receive notice once the state has accepted the filing.
Some companies don’t provide SR22 filings, so it’s important to work with one that is experienced with the process.
Why Your SR22 Provider Matters
Not all insurance companies handle 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 lower your insurance burden 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 offers fast, affordable, and reliable SR22 filings for drivers who need to reinstate their license. Let their experienced sr22 insurance team support you every step of the way.