When you find out you need SR22 car insurance, you might be feeling unsure. While it may sound like a special type of insurance policy, an SR22 is actually a form submitted to the DMV requested by the state in specific circumstances. Let’s look into what SR22 insurance is, who needs it, how it works, and why choosing a trusted provider is essential.

Understanding the SR22 Form

Despite the name, an SR22 is not a standalone insurance product. It’s a certificate that your insurer files with the state to confirm that you have the required insurance by law. Think of it as a guarantee from your insurer that you’re financially responsible while driving.

SR22 Requirement: Who Qualifies?

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

• Driving under the influence
• Reckless driving
• No proof of 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.

How Long Do You Keep SR22?

The duration you need to maintain SR22 coverage can differ by location, but in most cases, it’s required for a 3-year period. It’s important to keep the policy active during this time. If it expires, your insurer must notify the state, which could cause another license suspension.

SR22 Cost Breakdown

The cost of filing an SR22 form is usually minimal—typically between $15 and $50. However, your insurance rates may sr22 insurance increase 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 different companies.

Steps to Obtain SR22

Follow these steps to obtain SR22 insurance:

1. Call 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 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 can handle the process.

Finding a Trusted SR22 Insurance Company

Not all insurance companies specialize in 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 challenged 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 provides fast, affordable, and reliable SR22 filings for drivers who need to comply with DMV orders. Let their experienced team guide you every step of the way.