If you've been informed you need SR22 car insurance, you might be feeling confused. While it may sound like a unique type of insurance policy, an SR22 is actually a certificate of financial responsibility needed by the state in particular circumstances. Let’s explore what SR22 insurance is, who needs it, how it works, and why choosing a trusted provider is essential.

What Is SR22 Insurance?

Despite the name, SR22 insurance is not a standalone coverage plan. It’s a certificate that your insurance provider files with the state to prove that you have the minimum liability coverage 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 specific traffic-related offenses, such as:

• Driving under the influence
• Reckless driving
• Driving without insurance
• Multiple traffic violations
• Driver’s license issues

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

How Long Is SR22 Insurance Required?

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 important to keep the policy active during this time. If it is dropped, 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 and $50. However, your monthly fees may increase depending on your driving history and the reason for the SR22. Drivers with violations 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. 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 file the SR22 form with the state.
4. You’ll receive confirmation once the state has accepted the filing.

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

Choosing the Right SR22 Provider

Not all insurance companies support SR22 filings, sr22 insurance so it’s best to go with a provider that focuses on these cases. They’ll help you meet state requirements, maintain your coverage, and find better pricing even with a blemished driving history.

If you're looking for a local 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.