If you've been informed 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 mandated by the state in various circumstances. Let’s break down what SR22 insurance is, who needs it, how it works, and why choosing a trusted provider is essential.

What Does SR22 Mean?

Despite the name, SR22 insurance is not a standalone insurance policy. It’s a certificate that your insurance copyright 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 financially responsible while driving.

When Is SR22 Required?

You might be required to carry an SR22 if you’ve been involved in multiple traffic-related offenses, such as:

• Driving under the influence
• Hazardous driving
• Driving without insurance
• Multiple traffic violations
• Loss of driving privileges

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

How Long Do You Keep SR22?

The period you need to maintain SR22 coverage is set by sr22 insurance your DMV, but in most cases, it’s required for several years. It’s crucial to keep the policy active during this time. If it lapses, your insurer must notify the state, which could cause another license suspension.

SR22 Cost Breakdown

The cost of filing an SR22 form is usually low—typically between $15 and $50. However, your monthly fees may be higher depending on your driving history and the reason for the SR22. Drivers with prior offenses often face higher rates, so it’s smart to compare quotes from various agencies.

How to Get SR22 Insurance

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 specializes in 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 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 provides fast, affordable, and reliable SR22 filings for drivers who need to reinstate their license. Let their experienced team support you every step of the way.