Breaking Down SR22 Auto Insurance
Breaking Down SR22 Auto Insurance
Blog Article
When you find out you need an SR22 filing, you might be feeling uncertain. While it may sound like a special type of insurance policy, an SR22 is actually a form submitted to the DMV needed by the state in specific circumstances. Let’s clarify 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, this document is not a standalone insurance product. It’s a certificate that your auto insurance company files with the state to verify that you have the required insurance by law. You can think of it as a guarantee from your insurer that you’re compliant while driving.
SR22 Requirement: Who Qualifies?
You might be required to carry an SR22 if you’ve been involved in certain traffic-related offenses, such as:
• Driving under the influence
• Hazardous 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 violations.
How Long Do You Keep SR22?
The duration you need to maintain SR22 coverage is set by your DMV, but in most cases, it’s required for several years. It’s vital to keep the policy active during this time. If it is dropped, 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. Those with a poor driving record often face increased premiums, 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. Modify or start 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 provide SR22 filings, so it’s important to work with one that is experienced with the process.
Finding a Trusted SR22 Insurance Company
Not all insurance companies offer SR22 filings, so it’s best to go with a provider that focuses on these cases. They’ll help you stay compliant, maintain your coverage, and lower your insurance burden even with a challenged driving history.
If you're looking for a professional 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 get back sr22 insurance on the road. Let their experienced team assist you every step of the way.