SR22 Filing

Reader’s Question:

What is SR22? Who needs SR22 filing in Florida?

David

Miami, FL

An SR22 is a form issued by an insurance company which removes a suspension order placed by the Florida Department of Motor Vehicles on your license. This form will guarantee the Florida DMV that a motorist has been issued by an insurance company with their minimum liability coverage. The insurance company must also notify the Florida DMV should the SR22 insurance lapses for whatever reason.

Any person whose license is revoked by the Florida Department of Motor Vehicles needs an SR22 filing to reinstate their license. The suspension can be due to following reasons: drunk driving violations, repeated moving violations in one year, uninsured accidents and failure to comply with Florida’s motor vehicle laws.

Under normal circumstances, the Florida DMV may require you to maintain your SR22 for a minimum period of one to three years. However, with the stricter implementation of driving laws in Florida, the term period of your SR22 can be extended depending on the seriousness of your case.

Not all insurance companies in Florida can provide an SR22 certification. Since an SR22 insurance is issued to those drivers who have been caught of traffic violations, most insurance companies would draw back from this filing. If they do issue an SR22, they normally charge expensive premiums to these drivers because of the risks involved.

It is important to shop around for the best SR22 insurance quotes in Florida. The quickest way of doing it is to use the internet. There are many licensed insurers in Florida that can provide you with their free SR22 insurance quotes. Some insurance websites also have multiple quote system which allows you to view various competitive rates from different insurance companies in Florida that specializes in SR22 filing. With their system, this online insurance website can help you compare quotes and save.