What is an SR-22 In Insurance?
An SR-22 is not a type of insurance, but a document on your file that proves you have car insurance in Florida, with the minimum coverages required by Florida law. It's a form you can easily fill out, but it will require you to obtain more liability coverage.
How Do I Know If I Need An SR-22?
An SR-22 is ordered by the department of motor vehicles of Florida. You'll most likely get a letter in the mail stating that you must obtain an SR-22 to keep driving. Normally, the drivers who are issued an SR-22 is because they were caught driving without insurance or a valid license. Here are other reasons you might need one:
DUI or DWI conviction
Too many at-fault accidents or violations
Repeat offenses in a short time frame (for example, three or more speeding tickets within six months)
Not paying court-ordered child support
Hardship license (issued for temporary driving needs, normally to and from work, because your license has been suspended or revoked)
How Can I Get An SR-22?
If you have car insurance with All Motors Insurance, then just give us a call and we'll provide you with an SR-22 quick and easy. regardless of the reason. However, depending on your coverages, you'll have to purchase liability for an SR-22. Your SR-22 will be added to your existing policy.
If you do not have car insurance with All Motors Insurance and would like a quote, let us know if you need an SR-22 up front. Not many insurance companies offer SR-22's, so your options may be limited. Click here for a car insurance quote and make sure to say you need an SR-22.
SR-22 Insurance Cost
An SR-22 costs about $25 to file, though the cost may vary by insurance company. Depending on the insurance company, you'll have to pay the fee up front or it will be included in your first payment. Because some insurers consider drivers needing an SR-22 as high risk, your rate could increase in addition to the cost of filing the document.
If you have a clean driving record and previous insurance, you’ll usually pay less for your SR-22 than someone with accidents, violations, or no insurance in the past month. The increase to your policy’s rate will vary based on your ZIP code, vehicle, driving record, insurance history, and other factors.
How Long Will I Need An SR-22?
Contact the Florida department of motor vehicles to find out the exact length of time you’ll need to carry an SR-22—in most states, it’s three years. Remember, an SR-22 won’t automatically fall off your insurance policy. You’ll have to let your insurer know when you no longer need it. If your policy cancels or lapses while you’re carrying an SR-22, your insurance company will alert the DMV and your license will be suspended.
Provided by Progressive.