What to Know About SR-22 Car Insurance
What to Know About SR-22 Car Insurance
Blog Article
If you've been informed 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 state-required form requested by the state in various circumstances. Let’s break down what SR22 insurance is, who needs it, how it works, and why partnering with the right insurer is essential.
SR22 Insurance Explained
Despite the name, SR22 insurance is not a standalone insurance product. It’s a certificate that your insurer files with the state to verify that you have the minimum liability coverage by law. Think of it as a guarantee from your insurer that you’re covered while driving.
SR22 Requirement: Who Qualifies?
You might be required to carry an SR22 if you’ve been involved in multiple traffic-related offenses, such as:
• Substance-related driving charges
• Hazardous driving
• Operating a vehicle without insurance
• Frequent citations
• Revoked or suspended license
The SR22 requirement is often included in the reinstatement process for your copyright after such offenses.
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 three years. It’s important to keep the policy active during this time. If it gets canceled, your insurer must notify the state, which could lead to another license suspension.
What You’ll Pay for SR22 Insurance
The cost of filing an SR22 form is usually affordable—typically between $15 and $50. However, your insurance rates may rise depending on your driving history and the reason for the SR22. High-risk drivers often face elevated costs, so it’s smart to compare quotes from various agencies.
How to Get SR22 Insurance
Follow these steps to obtain SR22 insurance:
1. Call 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 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 crucial to work with one that specializes in 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 knows the process. They’ll help you avoid future issues, maintain your coverage, and find better pricing even with a blemished 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 sr22 insurance assist you every step of the way.