What to Know About the SR22 Insurance Requirement

In case you were recently notified you need SR22 car insurance, you might be feeling unsure. While it may sound like a unique type of insurance policy, an SR22 is actually a form submitted to the DMV required by the state in certain circumstances. Let’s explore what SR22 insurance is, who needs it, how it works, and why finding the right company is essential.

Understanding the SR22 Form

Despite the name, SR22 insurance is not a standalone insurance type. It’s a certificate that your insurance provider files with the state to verify that you have the required insurance by law. Consider 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 various traffic-related offenses, such as:

• Driving under the influence
• Hazardous 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.

How Long Do You Keep SR22?

The length of time you need to maintain SR22 coverage varies by state, but in most cases, it’s required for several years. It’s important to keep the policy active during this time. If it lapses, your insurer must notify the state, which could lead to another license suspension.

SR22 Cost Breakdown

The cost of filing an SR22 form is usually inexpensive—typically between $15 and $50. However, your insurance rates may go up depending on your driving history and the reason for the SR22. Drivers with prior offenses often face elevated costs, so it’s smart to compare quotes from different companies.

Getting Started With 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 submit the certificate with the state.
4. You’ll receive proof once the state has accepted the filing.

Some companies don’t sr22 insurance provide SR22 filings, so it’s recommended to work with one that can handle the process.

Select the Best SR22 Insurance Source

Not all insurance companies specialize in SR22 filings, so it’s best to go with a provider that focuses on these cases. 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 of Fort Lauderdale offers fast, affordable, and reliable SR22 filings for drivers who need to reinstate their license. Let their experienced team guide you every step of the way.