Why Do I Need Sr22 Insurance In Florida?
What is SR22 Insurance?
SR22 insurance is a type of car insurance required by the state of Florida for drivers who have been deemed high-risk. This may be due to a variety of reasons, such as driving under the influence, multiple traffic violations, or driving without insurance. The SR22 certificate is a document that proves that you meet the state's minimum car insurance requirements.
Why Do I Need SR22 Insurance in Florida?
If you have been convicted of a DUI, been caught driving without insurance, or have a history of multiple traffic violations, the state of Florida may require you to carry SR22 insurance. This is because you are considered a high-risk driver and are more likely to cause an accident or file a claim.
Even if you don't own a car, you may still be required to carry SR22 insurance if you frequently drive other people's cars or rent cars. In Florida, you must carry SR22 insurance for a minimum of three years, but this may vary depending on your individual circumstances.
What Does SR22 Insurance Cover?
SR22 insurance covers the same things as regular car insurance, such as liability, collision, and comprehensive coverage. However, because you are considered a high-risk driver, your premiums will likely be higher than someone with a clean driving record.
It's important to note that SR22 insurance does not cover any damages or injuries that you cause while driving under the influence. If you are convicted of a DUI, you may be required to carry additional insurance or pay a higher premium.
How Do I Get SR22 Insurance in Florida?
If you have been informed that you need SR22 insurance, you can contact your current insurance provider to see if they offer it. If not, you can shop around and compare quotes from different insurance companies to find the best rate.
Once you have selected an insurance provider, they will file the SR22 certificate with the state of Florida on your behalf. You will then be required to carry this certificate with you while driving to prove that you are insured.
What Happens if I Don't Get SR22 Insurance?
If you are required to carry SR22 insurance and fail to do so, your license may be suspended or revoked. In addition, you may be fined or face other penalties. It's important to comply with the state's requirements to avoid any legal consequences.
Conclusion
SR22 insurance may seem like an inconvenience, but it is a necessary requirement for high-risk drivers in Florida. By carrying this insurance, you can protect yourself and others on the road and avoid legal consequences. If you have any questions about SR22 insurance or need help finding a provider, don't hesitate to reach out to your insurance agent or the Florida Department of Highway Safety and Motor Vehicles.