What to Know About SR-22 Car Insurance
What to Know About SR-22 Car Insurance
Blog Article
When you find out you need an SR22 certificate, you might be feeling unsure. While it may sound like a technical type of insurance policy, an SR22 is actually a state-required form required by the state in various circumstances. Let’s look into what SR22 insurance is, who needs it, how it works, and why finding the right company is essential.
SR22 Insurance Explained
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 confirm that you have the minimum liability coverage by law. You can think of 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 certain traffic-related offenses, such as:
• Alcohol or drug-related offenses
• Careless driving
• Being uninsured while driving
• Excessive traffic offenses
• Revoked or suspended license
The SR22 requirement is often a step in the reinstatement process for your copyright after such issues.
How Long Do You Keep SR22?
The duration you need to maintain SR22 coverage can differ by location, but in most cases, it’s required for about 36 months. It’s important to keep the policy active during this time. If it lapses, your insurer must notify the state, which could cause another license suspension.
How Much Does SR22 Insurance Cost?
The cost of filing an SR22 form is usually inexpensive—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 more expensive policies, so it’s smart to compare quotes from various agencies.
Getting Started With SR22
Follow these steps to obtain SR22 insurance:
1. Call 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 send the documentation with the state.
4. You’ll receive notice once the sr22 insurance state has accepted the filing.
Some companies don’t provide SR22 filings, so it’s wise to work with one that specializes in the process.
Finding a Trusted SR22 Insurance Company
Not all insurance companies handle SR22 filings, so it’s best to go with a provider that knows the process. They’ll help you stay compliant, maintain your coverage, and possibly reduce your costs even with a poor 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 offers fast, affordable, and reliable SR22 filings for drivers who need to get back on the road. Let their experienced team work with you every step of the way.