Understanding Florida SR22 Insurance
Navigating Florida SR22 Insurance Requirements
In Florida, certain driving violations may require you to obtain SR22 insurance. Understanding what SR22 is, who needs it, and how to get it is crucial for drivers in this situation. Here’s a detailed guide to SR22 insurance in Florida.
What is SR22 Insurance?
It’s important to note that SR22 isn’t actually insurance. Rather, it’s a certificate of financial responsibility that your insurance company files with the Florida Department of Highway Safety and Motor Vehicles (FLHSMV). It verifies that you carry the state-mandated minimum auto insurance coverage.
Who Needs SR22 in Florida?
You might be required to file an SR22 in Florida if you’ve experienced the following:
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Driving while your license is suspended or revoked
Causing an accident while driving without insurance
Receiving too many traffic violation points
How to Obtain SR22 Insurance in Florida
Contact Your Insurance Provider: If you already have auto insurance, ask your provider if they can file an SR22 on your behalf. Not all insurance companies offer this service, so you may need to switch providers.
Purchase a Policy: If you don’t have insurance or your current provider doesn’t offer SR22 filing, you’ll need to find a company that does. Expect higher premiums, as drivers requiring SR22 are often considered high-risk.
File the SR22 Form: Your insurance company will file the SR22 form with the FLHSMV. There is typically a filing fee, and the process usually takes a few days.
Maintain Continuous Coverage: After filing, you must keep continuous insurance coverage for a specified period, usually three years. Any lapse in coverage can lead to the suspension of your driving privileges, as your insurer is required to notify the FLHSMV.
Cost of SR-22 Insurance in Florida
The cost of SR-22 insurance in Florida varies based on factors such as your driving history and age. While the premiums are generally higher than standard policies, shopping around can help you find the best rates.
Conclusion
If you need SR-22 insurance in Florida, it’s essential to maintain a clean driving record and keep your insurance coverage up to date. While it may result in higher premiums initially, careful driving and continuous coverage can help you move past this requirement and potentially lower your insurance costs in the future.
We are the best at Florida SR22 Insurance
Foxx Insurance can be your insurance carrier, proving you prompt and effective services pertaining to Florida SR22 insurance. We specialize in both owner and non-owner SR22 insurance certificates.
We are more than insurance brokers, going beyond the usual to help people in Florida get back safely on the road. Besides our expertise, we provide unparalleled customer service by offering you the insurance product that matches your legal requirements.
Foxx Insurance understands the complexity of the protocols and requirements involved in high-risk driving. Fully informed of the Florida DMV, we help our clients file for the certificate on affordable rates.
Our trained and experienced staff is well-versed in Florida SR22 insurance policies. They can help you file and certify for the insurance quickly, ensuring your convenience.