SR22 Insurance Florida:
SR-22 is not a type of Florida auto insurance. It is the name of the form used by auto insurance companies to
certify compliance for persons required to maintain minimum limits of liability insurance. The Sr-22 form is submitted
by auto insurance companies to Florida’s Bureau of Financial Responsibility on behalf of their insured’s.
For most residents of Florida the minimum mandatory auto insurance is $10,000 of Personal Injury Protection
(PIP) and $10,000 of Property Damage Liability (PD). Bodily Injury Liability (BI), indicated on an SR-22 filing, in
addition to PIP and PD is required for persons who meet certain criteria. Drivers who have been in an at fault
accident causing injuries and did not have Bodily Injury Liability or ability to provide compensation may be
required to obtain an SR-22 filing. Certain traffic violations, such as, driving under the influence, or a suspension
for too many points on your license may necessitate an SR-22 filing.
Minimum Bodily Injury Liability (BI) limits to be in compliance with an SR-22 filing is $10,000 per person and
$20,000 per accident. This coverage is in addition to the required $10,000 of Personal Injury Protection (PIP) and
$10,000 of Property Damage Liability coverage required by Florida law. A combined single limit of liability in the
amount of $30,000 would also fulfill the SR-22 filing requirement.
The premium for Bodily Injury Liability insurance is the same from your insurance company regardless of an
SR-22 filing requirement. The only additional cost to the insured for the SR-22 is a $15.00 filing fee. However,
drivers who are required to file an SR-22 generally pay more than other drivers for their insurance premium due to
the reason for the SR-22 filing, such as an at fault accident, or a conviction for driving under the influence.
Once mandated by the Bureau of Financial Responsibility to file an SR-22, failure to do so may result in your
driver’s license and or vehicle license plate being suspended for up to 3 years. Reinstatement of your driver’s
license and or license plate will only occur after certified proof of the required liability insurance in the form of an
SR-22 is once again filed with the Bureau of Financial Responsibility. Reinstatement fees will apply in addition to
the $15.00 SR-22 filing fee.
The Bureau of Financial Responsibility is a division of the Florida Department of Motor Vehicles. The primary
objective of the Bureau of Financial Responsibility is to make sure drivers are accountable if they become legally
liable to pay for damages involving motor vehicles. The Bureau of Financial Responsibility will assist consumers in
the collection of payment for damages caused by the liable party. If the liable party had no insurance at time of
accident and is unable to compensate for damages they become legally obligated to pay, a judgment against the
liable driver from a court of law may be obtained. Once a final judgment from a court of law is obtained the Bureau
of Financial Responsibility has the authority to suspend the liable individual’s license and registration as long as 20
years or until the judgment is satisfied.
Many insurance consumers are unaware of the Florida Financial Responsibility law when shopping for the
lowest priced auto insurance. It’s only natural, when on a tight budget, to inquire about minimum mandatory
coverage which does not include Bodily Injury Liability in the state of Florida. In an effort to secure a new client, by
offering a cheap premium, insurance agencies often fail to fully explain the ramifications of not carrying Bodily Injury
Liability on a Florida auto insurance policy. Too often consumers become painfully aware of the Florida Financial
Responsibility law after they have been in an at fault accident causing injuries. It’s smarter, safer, and far less
expensive to obtain auto insurance which complies with the Florida Financial Responsibility Law before an accident
happens. Avoid having a judgment against you, your license and registration suspended, and having to file an
SR-22 by being properly insured before an accident occurs.
Being in compliance with Florida’s Financial Responsibility law does not protect you from being sued by the
injured party. Having Bodily Injury Liability of $10,000 per person and $20,000 per accident does not go very far
when a major auto accident causes severe damage. Higher liability limits should be carefully considered when
purchasing a policy. If budget constraints prevent you from purchasing higher liability limits
and you are sued for damages above the $10,000 per person $20,000 per accident of Bodily Injury Liability limits
you have, at least the Department of Motor Vehicles and its Bureau of Financial Responsibility will take no adverse
action against you. It’s far less treacherous to include the minimum Bodily Injury Liability on your quote then to
have your license and registration suspended until a judgment against you is satisfied.
Another advantage of obtaining Bodily Injury Liability is that you will qualify for better tiers (categories) from
your insurance company. A better tier means lower overall insurance premiums. Many of the top rated, most
reputable, companies will not offer a policy with out Bodily Injury Liability. Insurance companies always offer a
discount for consumers who carry auto insurance with out a lapse in coverage that include Bodily Injury Liability.
Over the long term, if you consistently carry Bodily Injury Liability on your policy, not only will you be in compliance
with Florida’s Financial Responsibility Law, you will save money on your automobile insurance premiums.
If you have been in an accident and sustained injuries from an at-fault and uninsured driver you can seek
assistance from the Bureau of Financial Responsibility in collecting damages from the liable party. Obtain a crash
report from the law enforcement agency investigating the accident along with a final judgment from a court of law
and send to the Bureau of Financial Responsibility. The Bureau will take immediate action against the at fault
driver and suspend their license and registration for as long as 20 years or until the
judgment is satisfied.
A Driver convicted of DUI as of February, 2008 is no longer required to file an SR 22. The Florida FR44
insurance filing with higher liability limits is now used for these drivers. Policies and procedures for submitting both
of these documents for proof of insurance is essentially the same. 100/300/50 is the minimum limits required for
Florida DUI insurance which is ten times the standard base amount of 10/20/10. Policyholders in this predicament
should learn all about Florida FR-44 basic information.
SR-22 is not a type of Florida auto insurance. It is the name of the form used by auto insurance companies to
certify compliance for persons required to maintain minimum limits of liability insurance. The Sr-22 form is submitted
by auto insurance companies to Florida’s Bureau of Financial Responsibility on behalf of their insured’s.
For most residents of Florida the minimum mandatory auto insurance is $10,000 of Personal Injury Protection
(PIP) and $10,000 of Property Damage Liability (PD). Bodily Injury Liability (BI), indicated on an SR-22 filing, in
addition to PIP and PD is required for persons who meet certain criteria. Drivers who have been in an at fault
accident causing injuries and did not have Bodily Injury Liability or ability to provide compensation may be
required to obtain an SR-22 filing. Certain traffic violations, such as, driving under the influence, or a suspension
for too many points on your license may necessitate an SR-22 filing.
Minimum Bodily Injury Liability (BI) limits to be in compliance with an SR-22 filing is $10,000 per person and
$20,000 per accident. This coverage is in addition to the required $10,000 of Personal Injury Protection (PIP) and
$10,000 of Property Damage Liability coverage required by Florida law. A combined single limit of liability in the
amount of $30,000 would also fulfill the SR-22 filing requirement.
The premium for Bodily Injury Liability insurance is the same from your insurance company regardless of an
SR-22 filing requirement. The only additional cost to the insured for the SR-22 is a $15.00 filing fee. However,
drivers who are required to file an SR-22 generally pay more than other drivers for their insurance premium due to
the reason for the SR-22 filing, such as an at fault accident, or a conviction for driving under the influence.
Once mandated by the Bureau of Financial Responsibility to file an SR-22, failure to do so may result in your
driver’s license and or vehicle license plate being suspended for up to 3 years. Reinstatement of your driver’s
license and or license plate will only occur after certified proof of the required liability insurance in the form of an
SR-22 is once again filed with the Bureau of Financial Responsibility. Reinstatement fees will apply in addition to
the $15.00 SR-22 filing fee.
The Bureau of Financial Responsibility is a division of the Florida Department of Motor Vehicles. The primary
objective of the Bureau of Financial Responsibility is to make sure drivers are accountable if they become legally
liable to pay for damages involving motor vehicles. The Bureau of Financial Responsibility will assist consumers in
the collection of payment for damages caused by the liable party. If the liable party had no insurance at time of
accident and is unable to compensate for damages they become legally obligated to pay, a judgment against the
liable driver from a court of law may be obtained. Once a final judgment from a court of law is obtained the Bureau
of Financial Responsibility has the authority to suspend the liable individual’s license and registration as long as 20
years or until the judgment is satisfied.
Many insurance consumers are unaware of the Florida Financial Responsibility law when shopping for the
lowest priced auto insurance. It’s only natural, when on a tight budget, to inquire about minimum mandatory
coverage which does not include Bodily Injury Liability in the state of Florida. In an effort to secure a new client, by
offering a cheap premium, insurance agencies often fail to fully explain the ramifications of not carrying Bodily Injury
Liability on a Florida auto insurance policy. Too often consumers become painfully aware of the Florida Financial
Responsibility law after they have been in an at fault accident causing injuries. It’s smarter, safer, and far less
expensive to obtain auto insurance which complies with the Florida Financial Responsibility Law before an accident
happens. Avoid having a judgment against you, your license and registration suspended, and having to file an
SR-22 by being properly insured before an accident occurs.
Being in compliance with Florida’s Financial Responsibility law does not protect you from being sued by the
injured party. Having Bodily Injury Liability of $10,000 per person and $20,000 per accident does not go very far
when a major auto accident causes severe damage. Higher liability limits should be carefully considered when
purchasing a policy. If budget constraints prevent you from purchasing higher liability limits
and you are sued for damages above the $10,000 per person $20,000 per accident of Bodily Injury Liability limits
you have, at least the Department of Motor Vehicles and its Bureau of Financial Responsibility will take no adverse
action against you. It’s far less treacherous to include the minimum Bodily Injury Liability on your quote then to
have your license and registration suspended until a judgment against you is satisfied.
Another advantage of obtaining Bodily Injury Liability is that you will qualify for better tiers (categories) from
your insurance company. A better tier means lower overall insurance premiums. Many of the top rated, most
reputable, companies will not offer a policy with out Bodily Injury Liability. Insurance companies always offer a
discount for consumers who carry auto insurance with out a lapse in coverage that include Bodily Injury Liability.
Over the long term, if you consistently carry Bodily Injury Liability on your policy, not only will you be in compliance
with Florida’s Financial Responsibility Law, you will save money on your automobile insurance premiums.
If you have been in an accident and sustained injuries from an at-fault and uninsured driver you can seek
assistance from the Bureau of Financial Responsibility in collecting damages from the liable party. Obtain a crash
report from the law enforcement agency investigating the accident along with a final judgment from a court of law
and send to the Bureau of Financial Responsibility. The Bureau will take immediate action against the at fault
driver and suspend their license and registration for as long as 20 years or until the
judgment is satisfied.
A Driver convicted of DUI as of February, 2008 is no longer required to file an SR 22. The Florida FR44
insurance filing with higher liability limits is now used for these drivers. Policies and procedures for submitting both
of these documents for proof of insurance is essentially the same. 100/300/50 is the minimum limits required for
Florida DUI insurance which is ten times the standard base amount of 10/20/10. Policyholders in this predicament
should learn all about Florida FR-44 basic information.
Clifford J. Schimek - Lower your car insurance cost for life.
As the owner of Florida Auto Plus Insurance agency, "I stand behind our clients and go the extra mile.”
Clients enjoy a level of personal attention and first class service that most other agencies simply cannot match.
I want to be your personal local Florida auto insurance agent and earn your trust and respect.
Searching for Auto Insurance Florida, look no further.
As the owner of Florida Auto Plus Insurance agency, "I stand behind our clients and go the extra mile.”
Clients enjoy a level of personal attention and first class service that most other agencies simply cannot match.
I want to be your personal local Florida auto insurance agent and earn your trust and respect.
Searching for Auto Insurance Florida, look no further.
Florida Auto Plus Insurance, Simply the best.
Local map and directions: 9742 Banyan Street Miami, Florida 33157
Call us now. You'll be glad you did.
1-877-WIZ-AUTO.com
Local map and directions: 9742 Banyan Street Miami, Florida 33157
Call us now. You'll be glad you did.
1-877-WIZ-AUTO.com
Understand the different terms used in this state.
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| Florida SR22 Insurance, what you need to know. Florida Auto Plus Insurance Agency - Florida's trusted auto insurance professionals. Car Insurance Specialists & Florida Independent Agents |
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Florida Auto Plus Insurance Agency
1-877-WIZ-AUTO (949-2886)
September, 2010
1-877-WIZ-AUTO (949-2886)
September, 2010
"Welcome, thanks for calling" - Wally
www.WizardInsurance.com
1-877-WIZ-AUTO (949-2886)
There are many reasons why a driver may be required
to obtain an SR-22 or file an FR-44 to Florida’s
Bureau of Financial Responsibility. Maybe you have
received too many points for traffic violations or had
an at-fault accident without insurance. What matters to
us is making sure that you are insured so you can get
your license reinstated.
to obtain an SR-22 or file an FR-44 to Florida’s
Bureau of Financial Responsibility. Maybe you have
received too many points for traffic violations or had
an at-fault accident without insurance. What matters to
us is making sure that you are insured so you can get
your license reinstated.
If you’re looking for an SR 22 to be filed correct and
fast then give us a call. Once you’re a client we don’t
forget about you. The tickets or accident that caused
the SR22 won’t stay on your record forever. At each
renewal interval our agency will examine your policy
and search for lower cost alternatives. Any opportunity
to save money, whether or not the SR-22 compliance
period has ended, is discussed with you.
Shopping for Florida Car Insurance?
We're here to make life a little easier.
fast then give us a call. Once you’re a client we don’t
forget about you. The tickets or accident that caused
the SR22 won’t stay on your record forever. At each
renewal interval our agency will examine your policy
and search for lower cost alternatives. Any opportunity
to save money, whether or not the SR-22 compliance
period has ended, is discussed with you.
Shopping for Florida Car Insurance?
We're here to make life a little easier.
Call 1-877-949-2886 to speak with an agent.
Personal quotes available online anytime,
and we'll contact you promptly. Links to Progressive
Insurance Quotes Online or Infinity Insurance Online
are gateways to fast and easy quotes, on your time, at
your convenience.
Personal quotes available online anytime,
and we'll contact you promptly. Links to Progressive
Insurance Quotes Online or Infinity Insurance Online
are gateways to fast and easy quotes, on your time, at
your convenience.