SR22 Insurance in Florida

Reader’s Question:

I need additional information about SR22 insurance in Florida. Can you help?

Rhoda

Tallahassee, FL

Surely Rhoda!

Let me just remind you first that not everyone is required to get SR22 insurance Florida. In general, a driver whose license was suspended is the one who needs this kind of insurance to have his or her license reinstated.

In most cases, these are the traffic violations that need to get SR22 insurance Florida:

• Getting involved in a vehicular accident without car insurance
• Drunk driving activity
• Several traffic violations in a year that exceeded what is set by the law
• Failure to obey the Florida Department of Safety Highway and Motor Vehicles rules

It’s also important to remember that you cannot get SR22 insurance without purchasing car insurance policy first. The reason is that SR22 insurance is simply a document that will be filed by your car insurance company to the FL Department of Safety Highway and Motor Vehicles. This document proves that you have met the required car insurance policy in the state of Florida.

For you to get SR22 insurance, you need to get first auto insurance policy to cover all the vehicles that you have. If you do not own any vehicles, you can still get non-owners car insurance policy.

To avoid getting involved in a serious traffic offense or to avoid maintaining SR22 insurance for a minimum period of three years (that’s depending by the way on the severity of your violation) it’s best to avoid driving without car insurance, or even drive when you are drunk.

For more information about SR22 insurance and car insurance policy, you may ask your car insurance agent. You can also check with the Florida Department of Safety Highway and Motor Vehicles.