If you've been informed you need an SR22 certificate, you might be feeling overwhelmed. While it may sound like a special type of insurance policy, an SR22 is actually a state-required form required by the state in particular circumstances. Let’s clarify what SR22 insurance is, who needs it, how it works, and why working with a reliable agency is essential.

What Is SR22 Insurance?

Despite the name, an SR22 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 covered while driving.

Do You Need an SR22?

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

• DUI or DWI convictions
• Dangerous driving behavior
• No proof of 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 issues.

SR22 Duration: How Long You’ll Need It

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 vital to keep the policy active during this time. If it is dropped, your insurer must notify the state, which could cause 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.

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 verification once the state has accepted the filing.

Some companies don’t provide sr22 insurance SR22 filings, so it’s recommended to work with one that is experienced with the process.

Why Your SR22 Provider Matters

Not all insurance companies handle SR22 filings, so it’s best to go with a provider that has experience. 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 specializes in fast, affordable, and reliable SR22 filings for drivers who need to comply with DMV orders. Let their experienced team assist you every step of the way.