How To Get SR22 Insurance in Florida
Reader’s Question:
I was caught recently for driving under the influence. The authorities said I need to get a SR22 insurance so that I can continue driving here in Florida. What is SR22 insurance and how do I get one that is cheap?
Pat
Miami, FL
SR22 insurance is a type of certification from an insurance company issued to your state’s department of motor vehicles. A SR22 insurance Florida attests that you have the minimum insurance coverage as required by law. This is normally required from drivers who have been caught violating various traffic rules like over speeding, driving without the necessary insurance coverage, and like your case, DUI.
Since a SR22 insurance Florida is issued to drivers who have been caught for traffic violations, insurance companies normally shy away from giving this type of certification. If they do, then they charge high premiums to drivers. You will have to shell out a substantial amount monthly for your SR22 insurance premiums.
In order to get affordable SR22 insurance, you have to shop around for insurers offering cheap SR22 insurance. A lot of websites in the Internet offer a SR22 insurance in Florida that is lower than industry rates. Enter your zip code above in the form and we can start your search for you….for free.
How Long Do I Have to Keep my SR22 in Florida
Reader’s Question:
In the state of Florida how long do you have to maintain an SR-22 for a 12 month suspension on points?
Gene
Fort Lauderdale, FL
The FL Department of Highway and Safety and Motor Vehicles (HSMV) lists a thirty day suspension for 12 points earned within 12 months, a three month suspension for 18 points earned in 18 months and a 1 year suspension for 24 points within a 36 month period. So it looks like that you have received 24 points within a period three years to receive a one year driver’s license suspension.
Florida law requires motorists to maintain bodily injury liability (BIL) insurance in addition to PDL and PIP coverages in some cases, such as when a motorist is convicted of certain traffic infractions. According to the Florida Driver’s Manual, the FL Financial Responsibility Law requires an individual to have bodily injury liability insurance at the time of receiving a suspension for too many points against your driver license.
