Explaining SR22 Auto Insurance
Explaining SR22 Auto Insurance
Blog Article
When you find out you need SR22 insurance, you might be feeling overwhelmed. While it may sound like a technical type of insurance policy, an SR22 is actually a form submitted to the DMV mandated by the state in particular circumstances. Let’s explore what SR22 insurance is, who needs it, how it works, and why finding the right company is essential.
What Is SR22 Insurance?
Despite the name, an SR22 is not a standalone insurance type. It’s a certificate that your insurance provider files with the state to confirm that you have the mandatory insurance by law. Consider it as a guarantee from your insurer that you’re covered while driving.
Do You Need an SR22?
You might be required to carry an SR22 if you’ve been involved in specific traffic-related offenses, such as:
• DUI or DWI convictions
• Hazardous driving
• Driving without insurance
• Frequent citations
• Revoked or suspended license
The SR22 requirement is often included in the reinstatement process for your copyright after such issues.
How Long Do You Keep SR22?
The duration you need to maintain SR22 coverage varies by state, but in most cases, it’s required for about 36 months. It’s crucial 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 increase depending on your driving history and the reason for the SR22. Those with a poor driving record often face higher rates, so it’s smart to compare quotes from different companies.
How to Get SR22 Insurance
Follow these steps to obtain SR22 insurance:
1. Speak 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 file the SR22 form with the state.
4. You’ll receive notice once the state has accepted the filing.
Some companies don’t provide SR22 filings, so it’s crucial to work with one that can handle the process.
Why Your SR22 Provider Matters
Not all insurance companies support SR22 filings, so it’s best to go with a provider that focuses on these cases. They’ll help you remain in good standing, maintain your coverage, and find better pricing even with a blemished driving history.
If you're looking for a local 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 sr22 insurance fast, affordable, and reliable SR22 filings for drivers who need to reinstate their license. Let their experienced team guide you every step of the way.