What to Know About SR-22 Car Insurance
What to Know About SR-22 Car Insurance
Blog Article
When you find out you need SR22 car insurance, you might be feeling uncertain. 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 break down 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, SR22 insurance is not a standalone insurance policy. It’s a certificate that your insurer 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.
Do You Need an SR22?
You might be required to carry an SR22 if you’ve been involved in multiple traffic-related offenses, such as:
• Alcohol or drug-related offenses
• Careless driving
• Driving without insurance
• Numerous infractions
• 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 period you need to maintain SR22 coverage varies by state, but in most cases, it’s required for about 36 months. It’s important to keep the policy active during this time. If it gets canceled, your insurer must notify the state, which could cause another license suspension.
How Much sr22 insurance Does SR22 Insurance Cost?
The cost of filing an SR22 form is usually low—typically between $15 and $50. However, your insurance rates may rise depending on your driving history and the reason for the SR22. Drivers with violations 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. 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 state has accepted the filing.
Some companies don’t provide SR22 filings, so it’s important to work with one that can handle 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 avoid future issues, maintain your coverage, and find better pricing even with a problematic 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 specializes in fast, affordable, and reliable SR22 filings for drivers who need to get back on the road. Let their experienced team support you every step of the way.