Florida SR-22 Insurance

If you face having your license suspended in the state of Florida, there are mandatory steps for you to take to avoid this action. Unfortunately, you cannot simply provide your insurance policy or your insurance card as proof that you have auto insurance. You must also file an SR-22 form through an insurance company. Keep in mind that not all insurance companies are authorized to file SR-22 forms. This proof of financial responsibility must be kept for at least three years from the date an accident occurred or from the date of conviction. Keep in mind that the SR-22 filing period can vary from state to state.

SR-22 insurance is required in Florida for several reasons. If you have been convicted of any DUI charge, failed to provide proof of insurance, been involved in an accident when you don’t carry valid insurance, or have managed to accumulate too many demerit points on your record, you must file an SR-22 to avoid having your license suspended. This is also required if you carry a hardship license. This is a restricted driver’s license that mainly allows you to drive only between your home and work.

An SR-22 can be filed whether you own a vehicle or not. These policies are known as owner and non-owner SR-22s. You also have the option to purchase the policy as liability only or a full coverage policy which includes collision and comprehensive coverage. Some drivers even opt to file an SR-22 for their motorcycle as this can prove to be less expensive than a car, truck, or SUV.

Financial hardships may make filing an SR-22 difficult, especially in today’s economy. If you check around and obtain Sr-22 insurance quotes from several different companies in Florida, you should find one that will fit your budget. Sometimes the lowest rate for SR-22 insurance in Florida can be found if you look online. Many sites represent different companies and compare the rates for you. This will help you to save time and money. Often, you can receive your SR-22 in the same day that you apply for it. Keep in mind that if your policy lapses or is cancelled both by you or the insurance company, they must notify the DMV and your driving privileges will be suspended.