Florida SR22 Insurance

There are many reasons why a driver may require the SR22 filing to Florida’s Bureau of Financial Responsibility. Maybe you received too many points for multiple violations or had an at-fault accident without minimum coverage in effect. What matters to us is providing you with an affordable car insurance quote to reinstate and maintain your driving privileges.

For DUI drivers an FR 44 insurance filing is required which mandates increased Bodily Injury Liability limits of 100/300/50. Compliance with these different types of financial responsibility certificates is not usually the only requirement for a license reinstatement. Driving school, substance abuse counseling, and community service are all typically imposed. The minimum car insurance requirements for drivers not requiring a filing is Florida PIP/PD insurance.

If you’re looking for a filing to be correct and fast then give us a call. Once you are a client we never forget about you. The tickets or accident causing this situation does not stay on your record forever. At each renewal our agency will examine your policy and search for lower cost alternatives. Any opportunity to save you money during or after your compliance period  is discussed with you.

The SR 22 form is used to indicate proof of insurance when it is required for license reinstatement. The requirements of a court ordered suspension vary for different drivers. Whether or not Bodily Injury liability has to be included, how long the compliance period will be, and how a policy may be paid for are the key differences.

Drivers without insurance that cause an accident that damages only property will require a Personal Injury Protection (PIP) and Property Damage Liability (PD) policy. For this type of SR-22 only a non-cancellable policy (paid in full) is acceptable and the compliance period is for 2 years. When people are injured in an accident you cause then Bodily Injury Liability (BI) is going to be required. Minimum acceptable BI limits are $10,000 per person and $20,000 per accident and the compliance period for this SR 22 is 3 years.

No matter which SR-22 is needed the cost is determined by the underlying insurance and a $15.00 filing fee. When a policy with an SR 22 is canceled the insurance company is required to report this on form SR 26. If the individual has not placed insurance with a new policy then their license will be suspended and reinstatement fees will apply after insurance is purchased. All forms are submitted to Florida’s Bureau of Financial Responsibility and insurance companies have as long as 15 days to file after a new customer accepts a quote for insurance and an application is completed.

Click here to get a quote, or call us for a quote (305) 278-1388, or visit us at 17365 South Dixie Highway Palmetto Bay FL 33157