Breaking Down SR22 Auto Insurance
Breaking Down SR22 Auto Insurance
Blog Article
In case you were recently notified you need an SR22 filing, you might be feeling unsure. While it may sound like a special type of insurance policy, an SR22 is actually a state-required form requested by the state in certain circumstances. Let’s explore what SR22 insurance is, who needs it, how it works, and why partnering with the right insurer is essential.
What Does SR22 Mean?
Despite the name, SR22 insurance is not a standalone insurance type. It’s a certificate that your auto insurance company 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 compliant while driving.
When Is SR22 Required?
You might be required to carry an SR22 if you’ve been involved in specific traffic-related offenses, such as:
• Substance-related driving charges
• Hazardous driving
• Driving without insurance
• Excessive traffic offenses
• License suspension or revocation
The SR22 requirement is often part of the reinstatement process for your copyright after such issues.
How Long Is SR22 Insurance Required?
The period you need to maintain SR22 coverage is set by your DMV, but in most cases, it’s required for a 3-year period. It’s essential to keep the policy active during this time. If it expires, your insurer must notify the state, which could result in another license suspension.
What You’ll Pay for SR22 Insurance
The cost of filing an SR22 form is usually low—typically between $15 and $50. However, your insurance rates may go up depending on your driving history and the reason for the SR22. Those with a poor driving record often face elevated costs, so it’s smart to compare quotes from several insurers.
How to Get SR22 Insurance
Follow these steps to obtain SR22 insurance:
1. Get in touch with 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 send the documentation 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 recommended to work with one that specializes in the process.
Choosing the Right SR22 Provider
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 meet state requirements, maintain your coverage, and possibly reduce your costs even with a problematic 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 sr22 insurance 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.