Getting SR22 insurance in Florida has become very common for a lot of people. 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. For drivers who have gone through some troubles while driving, they are required to file SR22 by the state of Florida. 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. Basically, SR22 is a form and not an insurance, and is something that must be filled out by the insurance company of choice. They will then file this form to serve as proof to the state 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. The insurance company that you choose will also keep the state updated on whatever cancellations and renewals you have made on 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. These violations include reckless driving, drunk driving, small accidents, driving without insurance, or injuring someone in 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.
Most insurance companies offer SR22 insurance. 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. Find an insurance specialist that deals with several filings on a daily basis. This often implies that you will have more options and that they can get the job done in no time.