What to Know About the SR22 Insurance Requirement

If you've been informed you need SR22 car insurance, you might be feeling overwhelmed. While it may sound like a special type of insurance policy, an SR22 is actually a state-required form mandated 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.

What Is SR22 Insurance?

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. Imagine it as a guarantee from your insurer that you’re financially responsible while driving.

When Is SR22 Required?

You might be required to carry an SR22 if you’ve been involved in multiple traffic-related offenses, such as:

• Driving under the influence
• Hazardous driving
• Driving without insurance
• Excessive traffic offenses
• Loss of driving privileges

The SR22 requirement is often a step in the reinstatement process for your copyright after such issues.

SR22 Duration: How Long You’ll Need It

The duration you need to maintain SR22 coverage can differ by location, but in most cases, it’s required for a 3-year period. It’s important to keep the policy active during this time. If it is dropped, your insurer must notify the state, which could result in 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 go up depending on your driving history and the reason for the SR22. High-risk drivers often face higher rates, so it’s smart to compare quotes from several insurers.

Getting Started With SR22

Follow these steps to obtain SR22 insurance:

1. Speak with 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 verification once the state has accepted the filing.

Some companies don’t 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 support SR22 filings, so it’s best to go with a provider that is SR22-certified. They’ll help you meet state requirements, 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, sr22 insurance 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 comply with DMV orders. Let their experienced team assist you every step of the way.