If you are wondering what Florida SR22 insurance means, then you have come to the right place. For everything you need to know about SR22 insurance, make sure to read until the end.
The term SR22 filing is very common for those who are processing their drivers license again after its suspension or revocation. To be insured and licensed once again, you must pay close attention to this concept. SR22 filing is required by the state of Florida for drivers who have been through some road-related troubles. For you to get back your driving benefits, it is important that you know how you can obtain your own SR22 insurance.
If you refer to SR22 insurance as an insurance plan, it is nonexistent. While SR22 is not an insurance plan, it is a required form that your choice of insurance company must fill out. The company will then file this form to the respective governing bodies to prove that you have obtained adequate insurance for it. 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. The state will then be regularly updated by the insurance company that you choose about any cancellations or renewals to your car insurance policy. 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.
The state of Florida requires drivers to file for SR22 if they have not followed road rules. There are different violations that lead you to file for SR22. Some of these violations include driving without adequate insurance, drunk driving, a number of small accidents, reckless driving, and injuring someone due to an accident that is your fault. Getting SR22 insurance should be the least of your concerns if you have never broken any laws of traffic. Getting SR22 insurance is necessary when other violations are added. These include getting multiple traffic violations in a few years, being in a car accident with no car insurance, and DUI or driving under the influence. If you want to keep your drivers license, you have to secure SR22 insurance.
A lot of insurance companies will be able to offer you SR22 insurance. Unfortunately, there are some that will not provide any response to your requests or just turn you away. 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.