Auto Insurance

What is SR-22 Insurance and What Does it Do?

SR-22 Insurance Florida

SR-22 is often referred to as insurance, but it is not car insurance. The SR-22 insurance document is just a document that you get from your insurance company. This document shows that you have liability coverage on your vehicle. In some cases, you may hear an SR-22 being referred to as a certificate of financial responsibility. In the states of Florida and Virginia, this document is called an FR-44.

Who Needs SR-22?

Laws will vary by state to state for who has to have an SR-22. Drivers may need to have this document for the following:

• Being convicted of driving while intoxicated or driving while impaired.
• An at-fault accident when the driver does not have any auto insurance.
• License suspension.
• Repeat or serious traffic offenses.

When these offenses happen, you can expect a surcharge with your SR-22 insurance document. This can make your insurance payments go up significantly.

How Long Do You Need To Have An SR-22?

If you are required to get an SR-22, you may be curious how long you will have to keep SR 22 Insurance Florida coverage. You will need to keep continuous coverage for three years. If you are outside the state of Florida, it may be required for a longer period of time. If you allow your policy to lapse for any reason, the insurance company that you have your policy with will need to notify the state. If you do not comply with the terms of your SR-22 documentation, you may lose your license for up to a year or more in some cases. Once the three year period is up, your SR-22 will no longer be required, and you can go back to paying a normal amount.

I Do Not Own A Car, Do I Still Have to Have An SR-22?

You may think that just because you do not own a car that you do not have to have SR 22 Insurance Florida. The truth is that even if you do not own your vehicle, it is still a requirement that you have an SR-22 document and SR-22 Insurance. This is in case you rent or borrow a car. If you were to get into an accident, you would be liable for property damage and personal injury. In some cases, you may be able to get a non-owner SR-22. Some states will require you to get a non-owner SR-22 before you are allowed to have your driver’s license back.

If you have been told that you need to file for SR-22 documentation, you will need to contact your insurance agent to ensure that it is done correctly. They will need to submit your document to the state in order for you to fulfill your obligations to the state. If you are looking for a new insurance company to help navigate the SR-22 document for you and help you with your insurance needs, call us at Insurity Insurance Brokerage today. We will be able to help you will all of your insurance needs, including dealing with your SR-22 documentation.

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