When you find out you need an SR22 certificate, you might be feeling overwhelmed. While it may sound like a unique type of insurance policy, an SR22 is actually a state-required form requested by the state in particular circumstances. Let’s break down what SR22 insurance is, who needs it, how it works, and why finding the right company is essential.

SR22 Insurance Explained

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

Who Needs SR22 Insurance?

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

• Substance-related driving charges
• Dangerous driving behavior
• No proof of insurance
• Frequent citations
• License suspension or revocation

The SR22 requirement is often included in the reinstatement process for your driver's license after such offenses.

How Long Is SR22 Insurance Required?

The duration you need to maintain SR22 coverage depends on state law, but in most cases, it’s required for about 36 months. It’s important to keep the policy active during this time. If it gets canceled, your insurer must notify the state, which could lead to another license suspension.

How Much Does SR22 Insurance Cost?

The cost of filing an SR22 form is usually inexpensive—typically between $15 and $50. However, your auto insurance premiums may increase depending on your driving history and the reason for the SR22. Drivers with violations often face increased premiums, so it’s smart to compare quotes from several insurers.

Getting Started With SR22

Follow these steps to obtain SR22 insurance:

1. Speak with your insurance provider and inform them sr22 insurance you need an SR22.
2. Adjust or begin your auto insurance policy to meet state legal requirements.
3. Your insurer will file the SR22 form 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 crucial to work with one that can handle the process.

Select the Best SR22 Insurance Source

Not all insurance companies offer SR22 filings, so it’s best to go with a provider that has experience. They’ll help you avoid future issues, maintain your coverage, and find better pricing 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 get back on the road. Let their experienced team assist you every step of the way.