If you are wondering what Florida SR22 insurance means, then you have come to the right place. This article will serve as a basic guide to SR22 insurance.
The term SR22 filing is very common for those who are processing their drivers license again after its suspension or revocation. You come across this term as you work your way on getting insured and licensed. The state of Florida requires drivers to do SR22 filing if they have been into some form of trouble on the road. Knowing the basics of SR22 insurance is a must if you have intentions of getting back your driving benefits.
When it comes to SR22 insurance, there is no such insurance per se. SR22 is not a kind of insurance but more of a form that an insurance company must fill out. This form will then be filed to the government by the insurance company that you have to show that you have adequate insurance. To put things into better perspective, the insurance company that you choose will provide the SR22 insurance as plan and will deal with the paperwork to notify the state of Florida about your coverage. If there are renewals or cancellations to your car insurance policy, your choice of an insurance company will make sure to update the state accordingly. The state of Florida often requires SR22 filing after a couple of years of your problematic accident to make sure that you have kept your insurance plan up-to-date.
SR22 filing is required by the state of Florida for drivers who have not followed road rules properly. Filing for SR22 is required for various kinds of violations. These violations include reckless driving, drunk driving, small accidents, driving without insurance, or injuring someone in an accident that is your fault. If you have never broken any laws of traffic, you will not be worrying at all about getting SR22 insurance. There are also other issues that would serve as an addition to you needing SR22 insurance. Additional violations include DUI or driving under the influence, being part of a car accident without any car insurance, and multiple traffic violations within the duration of a few years. If you want to keep your drivers license, you have to secure SR22 insurance.
SR22 insurance is offered by almost all insurance companies. And yet, there are some that choose not to offer this or not provide any response to your requests. If you are required to get SR22 insurance, you should find an SR22 insurance specialist who knows car insurance companies that deal with high-risk situations. On a daily basis, the insurance specialist that you choose should know how to deal with several filings. This usually means that they are equipped for the job and can provide you with different options.