If you are wondering what Florida SR22 insurance means, then you have come to the right place. Understanding SR22 insurance better should not be difficult as long as you know get proper information from the right sources such as this one.
The term SR22 filing is very common for those who are processing their drivers license again after its suspension or revocation. This is often found in the steps that you see to get insured and licensed. The state of Florida requires drivers to do SR22 filing if they have been into some form of trouble on the road. Knowing the basics of SR22 insurance is a must if you have intentions of getting back your driving benefits.
If you refer to SR22 insurance as an insurance plan, it is nonexistent. Basically, SR22 is a form and not an insurance, and is something that must be filled out by the insurance company of choice. The company will then file this form to the respective governing bodies to prove that you have obtained adequate insurance for it. Simply put, SR22 insurance is a coverage that your choice of insurance company will file for you to notify the state of Florida of your coverage. The state will then be regularly updated by the insurance company that you choose about any cancellations or renewals to your car insurance policy. The state of Florida often requires SR22 filing after a couple of years of your problematic accident to make sure that you have kept your insurance plan up-to-date.
SR22 filing is required by the state of Florida for drivers who have not followed road rules properly. There are different violations that lead you to file for SR22. A number of small accidents, injuring someone because of an accident that is your fault, driving without insurance, reckless driving, and drunk driving are just some of them. Getting SR22 insurance should be the least of your concerns if you have never broken any laws of traffic. There are also other issues that would serve as an addition to you needing SR22 insurance. These include getting multiple traffic violations in a few years, being in a car accident with no car insurance, and DUI or driving under the influence. If you want to keep your drivers license, you have to secure SR22 insurance.
Most insurance companies offer SR22 insurance. Sadly, some opt not to sell them to you or not provide any response to such a request. If you are required to get SR22 insurance, you should find an SR22 insurance specialist who knows car insurance companies that deal with high-risk situations. On a daily basis, the insurance specialist that you choose should know how to deal with several filings. This often implies that you will have more options and that they can get the job done in no time.