If you've been informed you need SR22 insurance, you might be feeling confused. While it may sound like a technical type of insurance policy, an SR22 is actually a document filed with your state needed by the state in certain circumstances. Let’s explore 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, this document is not a standalone insurance type. It’s a certificate that your insurance provider files with the state to demonstrate that you have the required insurance by law. You can think of it as a guarantee from your insurer that you’re financially responsible 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:

• Driving under the influence
• Hazardous driving
• Being uninsured while driving
• Numerous infractions
• License suspension or revocation

The SR22 requirement is often a step in the reinstatement process for your driver's license after such infractions.

How Long Do You Keep SR22?

The duration 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 result in another license suspension.

SR22 Insurance Pricing

The cost of filing an SR22 form is usually minimal—typically between $15 and $50. However, your insurance rates may rise depending on your driving history and the reason for the SR22. Those with a poor driving record often face more expensive policies, so it’s smart to compare quotes from various agencies.

How Do You File for SR22?

Follow these steps to obtain SR22 insurance:

1. Get in touch 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 wise to work with one that is experienced with 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 sr22 insurance 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 specializes in 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.