If you've been informed you need an SR22 certificate, you might be feeling confused. While it may sound like a complicated type of insurance policy, an SR22 is actually a document filed with your state requested by the state in various circumstances. Let’s clarify what SR22 insurance is, who needs it, how it works, and why finding the right company is essential.

What Is SR22 Insurance?

Despite the name, this document is not a standalone insurance policy. It’s a certificate that your auto insurance company files with the state to prove that you have the minimum liability coverage by law. You can think of it as a guarantee from your insurer that you’re insured 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
• Reckless driving
• No proof of insurance
• Excessive traffic offenses
• 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 Is SR22 Insurance Required?

The period you need to maintain SR22 coverage depends on state law, but in most cases, it’s required for about 36 months. 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 Cost Breakdown

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

How Do You sr22 insurance File for SR22?

Follow these steps to obtain SR22 insurance:

1. Speak 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 submit the certificate 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.

Why Your SR22 Provider Matters

Not all insurance companies offer 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 possibly reduce your costs even with a poor 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 guide you every step of the way.