If you've recently been told 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 state-required form mandated 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.

What Is SR22 Insurance?

Despite the name, an SR22 is not a standalone coverage plan. It’s a certificate that your insurance copyright files with the state to demonstrate that you have the minimum liability coverage by law. Think of it as a guarantee from your insurer that you’re compliant 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:

• DUI or DWI convictions
• Hazardous driving
• Driving without insurance
• Numerous infractions
• Revoked or suspended license

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

SR22 Time Requirement Explained

The length of time 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 cause another license suspension.

How Much Does SR22 Insurance Cost?

The cost of filing an SR22 form is usually affordable—typically between $15 and $50. However, your auto insurance premiums may increase depending on your driving history and the reason for the SR22. Those with a poor driving record 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. Contact your insurance provider and inform them you need an SR22.
2. Purchase or update your auto insurance policy to meet state legal requirements.
3. Your insurer will file the SR22 form with the state.
4. You’ll receive verification once sr22 insurance the state has accepted the filing.

Some companies don’t provide SR22 filings, so it’s recommended to work with one that is experienced with the process.

Select the Best SR22 Insurance Source

Not all insurance companies support 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 lower your insurance burden even with a problematic 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 work with you every step of the way.