An SR22 car insurance policy is required by any driver in the state of Florida who has been deemed to be high risk. This form, also known as a certificate of financial responsibility, which must be submitted to the state Department of Highway Safety and Motor Vehicles (HSMV) by your insurance carrier, provides the state with proof that you are maintaining financial responsibility by carrying an auto insurance policy that meets the minimum liability requirements. A driver is generally classified as high risk if he is convicted of certain driving-related offenses and infractions such as DUI or DWI, reckless driving, and other violations.
Table of Contents
- 1 What Offenses Require Florida SR22 Insurance?
- 2 What are the Different Types Available?
- 3 Online Insurance Quotes for SR22 Drivers
- 4 How Do I Maintain Coverage?
- 5 How Much Does SR22 Car Insurance in Florida Cost
- 6 Can I Obtain Coverage After the Fact?
- 7 What if I am Moving to or From Florida?
- 8 Safe Driving Resources for Florida Students
What Offenses Require Florida SR22 Insurance?
Not all traffic violations result in the need for SR22 auto insurance, but any offense that results in the suspension of driving privileges will almost always require such a filing. Some of the offenses include:
- Causing an accident while uninsured
- Failing to satisfy a court judgment that resulted from an accident
- Failure to provide proof of insurance when stopped for a traffic violation
If you are convicted of driving under the influence, you will be required to obtain the much more stringent SR44 insurance.
Maintaining your SR22 policy for the years required by the state of Florida will be necessary to maintain driving privileges, and at the end of the period a reinstatement fee (or filing fee) as is typically required.
What are the Different Types Available?
There are three types of certificate available in Florida, depending on your personal circumstances. The owner’s certificate covers liability for any vehicle owned by the covered driver, whether or not he drives the car. An operator’s certificate covers the driver if he does not own his own vehicle but is driving one owned by someone else, also referred to as a non-owner policy.
Online Insurance Quotes for SR22 Drivers
Getting a quote for non-owner SR22 insurance sometimes requires calling and talking to an insurance agent since online quote forms rarely accommodate such. Finally, an owner-operator’s certificate covers all vehicles the driver may operate, both those owned by him and those owned by others. You should discuss the type of driving you do with your insurance agent in order to determine which certificate you will need to file with the state. Get a free quote from us today to save on your SR22 insurance costs.
How Do I Maintain Coverage?
Any driver who has been notified of the need for SR22 insurance must ensure that this form is filed with the state within 30 days of notification. It is also the responsibility of the driver to ensure that the form is filed each time the policy renews throughout the duration of the SR22 requirement, which is typically 36 months from the date of suspension. The state does not notify drivers that a renewal date is approaching and failure to maintain a current SR22 certificate will result in automatic suspension of your driver’s license. A suspended license may mean you are forced to take public transportation or catch a ride with a friend.
How Much Does SR22 Car Insurance in Florida Cost
Because an SR22 indicates a high risk driver, insurance rates for anyone with an SR22 form is going to be substantially higher. Getting an insurance quote online is not particularly easy either since most insurance providers will not insure these drivers (although you can find them on this site of course). Progressive for example got their start insuring high risk drivers, but companies like Geico cater to low-risk clients. Liability coverage tends to run quite a bit less than full coverage, but you bear the risk to repair your own vehicle should you cause an accident. An insurance agent and help you design a cost effective insurance premium within the ideal insurance requirements and liability limits.
Can I Obtain Coverage After the Fact?
It is possible for drivers to avoid a license suspension for causing an accident without adequate insurance coverage. In order to do so, you must meet the following conditions:
You must pay any fines imposed due to the accident.
You must obtain a qualified policy and file notice with the state.
You must come to an agreement for restitution with all involved parties and obtain signatures attesting to such.
All of this must be completed before the suspension date listed in the inquiry notice sent to you by the flhsmv. Failing to maintain coverage will cause your insurance agency to report the lapse to the DMV.
What if I am Moving to or From Florida?
Whether you are a resident moving out of state or are moving to Florida from another location, you will be required to maintain the proper filing in the state that imposed that requirement. Residents must ensure that the policy in their new state of residence meets the minimum liability insurance requirements, which are:
- $10,000 bodily injury per person per accident
- $10,000 property damage per accident
If you are traveling within the state borders and cause an accident, you will need to have your insurance company certify in writing that your out-of-state insurance policy complies with the minimum requirements. Failure to do so can result in your driving privileges being suspended, which may or may not affect your license status in your home state.
SR22 insurance is meant to provide Florida residents with the assurance that every driver on the road has insurance coverage that at least meets the state’s minimum requirements. High-risk drivers who have demonstrated an unwillingness to do this on their own will be forced by the state to provide proof of adequate coverage through an SR22 filing.