Explaining SR-22 Car Insurance
In case you were recently notified you need SR22 insurance, you might be feeling uncertain. While it may sound like a unique type of insurance policy, an SR22 is actually a form submitted to the DMV required by the state in particular circumstances. Let’s break down what SR22 insurance is, who needs it, how it works, and why working with a reliable agency is essential.
What Is SR22 Insurance?
Despite the name, an SR22 is not a standalone coverage plan. It’s a certificate that your insurer files with the state to confirm that you have the mandatory insurance by law. Think of it as a guarantee from your insurer that you’re insured while driving.
Who Needs SR22 Insurance?
You might be required to carry an SR22 if you’ve been involved in specific traffic-related offenses, such as:
• DUI or DWI convictions
• Careless driving
• No proof of insurance
• Multiple traffic violations
• Loss of driving privileges
The SR22 requirement is often a condition of the reinstatement process for your copyright after such infractions.
How Long Do You Keep SR22?
The period you need to maintain SR22 coverage is set by your DMV, but in most cases, it’s required for three years. It’s crucial to keep the policy active during this time. If it expires, your insurer must notify the state, which could cause another license suspension.
SR22 Insurance Pricing
The cost of filing an SR22 form is usually minimal—typically between $15 sr22 insurance and $50. However, your auto insurance premiums may increase depending on your driving history and the reason for the SR22. Drivers with violations often face increased premiums, so it’s smart to compare quotes from several insurers.
Steps to Obtain SR22
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 verification 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 offer SR22 filings, so it’s best to go with a provider that is SR22-certified. They’ll help you remain in good standing, maintain your coverage, and lower your insurance burden even with a problematic driving history.
If you're looking for a trusted 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 comply with DMV orders. Let their experienced team assist you every step of the way.