SR22 Florida Explained

If you’ve had your driver’s license suspended in the State of Florida, you’ll probably need an SR22 Florida or a Florida FR44. While the FR44 insurance can better be addressed at www.MyFloridaFR44.com, we’ll tackle the requirements of an SR22 now.

What are the Liability Requirements for an SR22 in Florida?

The minimum requirements you’ll need to purchase are:

1. $10,000 for an injury to a single person in a single incident.
2. $20,000 for an injury to multiple people in a single incident.
3. $10,000 for any property damage that may have been caused by you.

The SR22 will show your coverage in a series of 3 numbers; i.e 10/20/10. These three numbers are representative of the values stated in the list above. Just to give an example, a Florida FR44 requires 100/300/50 coverage, which is far above those requirements for a SR22 Florida.

How to Get Your Florida Driver’s License Reinstated Quickly: 

What Circumstances Can Make You Need a SR22 Florida?

Some of the reasons you’d be required to obtain an SR22 are, but not limited to:

1. You failed to satisfy a judgement where you were involved in an accident.
2. You had an accident, but had no active insurance policy.
3. You failed to produce proof of insurance when stopped.

What Types of SR22’s are Available?

There are basically two types of SR22’s in Florida; SR22 Florida Owner Policies and SR22 Florida Non-Owner Policies.

Owner Policy

If you have a vehicle in your name, and you need that vehicle covered, you’ll want to obtain a SR22 Florida Owner Policy. This policy not only covers you, but also covers the vehicle you own. If you do not maintain insurance on your vehicle, you may be forced to hand over your license plates to the State of Florida. The Owner Policy carries the same 10/20/10 coverage as the Non-Owner Policy. This type of policy is by far the more expensive of your options.

Non-Owner Policy

If you don’t own a vehicle, you can have your driver’s license reinstated by purchasing a SR22 Florida Non-Owner Policy. This allows you to be covered by the required 10/20/10 liability limits, but on you as a person; not you with your vehicle. This option, if you qualify, is by far the cheapest way to go.

What is a SR22 Florida?

An SR22 Florida is not necessarily insurance in itself, but rather a Certificate showing proof that you are carrying the State mandated required liability limits of 10/20/10. It’s also referred to as a proof of economic responsibility.

You must usually maintain your insurance for a period of three years from your conviction date. This is not the date that the incident happened, but rather the date you were sentenced. You can contact the Florida DMV to find out how long your requirement is needed.

What does a SR22 Florida Cost?

Many factors affect the pricing of insurance and the SR22 Florida is no exception. Variables like Driving Record, Occupation, Age, Gender, Marital Status, etc will all factor into your pricing. The easiest way to find the lowest price is to have an insurance agency shop the market for you.

** All Information Provided by www.MyFloridaSR22.com

Florida Non-Owner SR22 Insurance

Florida Non-Owner SR22 Explained

If you qualify for the following violations in the State of Florida, you’ll probably be required to carry an SR22. There are two options; a Non-Owner SR22 and an Owner SR22.

1. You’ve received 12 points on your license in the past 12 months.
2. You’ve received 18 points on your license in the past 18 months.
3. You’ve received 24 points on your license in the past 36 months.
4. You have a Child Support obligation that hasn’t been kept current.
5. You are deemed unable to operate a motor vehicle safely.
6. You were caught and convicted of operating a motor vehicle without insurance.
7. You were operating a motor vehicle on a suspended license.

While there are other reasons  you may need to carry an SR22, these are the most common.

What is a Non-Owner SR22?

If your driver’s license is suspended for the aforementioned issues, you will probably need an SR22 in the State of Florida. Of the two different types, Owner and Non-Owner, the one you will want is solely based upon whether or not you own a vehicle; more precisely a vehicle that you need insurance on. An SR22 in Florida is generally required for a period of 3 years from the date of your conviction and throughout this time period you can switch back and forth between an Owner and Non-Owner policy. Since a Non-Owner SR22 doesn’t cover a vehicle, it’s always far cheaper than an Owner policy. The purpose of a Non-Owner SR22 is to allow the insured to have their driver’s license reinstated without the need to own a vehicle. Without this provision you would be required to purchase a vehicle just to have a valid license. Non-Owner insurance is not only available in Florida, but in most States that have SR22 mandates.

How to Get Your Florida Driver’s License Reinstated Quickly: 

How Can You Find Out if You Need an SR22?

The easiest way to find out if you have an SR22 requirement is to contact the State. In fact there’s a website you can access that will show you if your driver’s license is currently suspended and, if it is, your insurance agent can tell you the time period. You can access the Florida Driver License Check systemhere. All you need is your driver’s license number. If you’d like to call the Florida Department of Highway Safety and Motor Vehicles, you can do so at 1-850-617-2000.

How Can You Find the Cheapest Non-Owner SR22 Price?

As with anything else, you’ll find the cheapest price by shopping the market. Since Non-Owner SR22 insurance is a very specialized field, you’ll want to contact an insurance agency that specializes in this type if insurance. The agency can shop multiple companies and identify your cheapest option. Variables such as Age, Gender, Where you Live, Your Driving Record, etc will all factor into the pricing. Therefore, while you’ll always get the required 10/20/10 liability limits on your policy, the pricing for the exact same thing can vary widely between insurance carriers. Always take the Non-Owner SR22 option if you qualify.

What if You Need a Florida Non-Owner FR44?

If you’ve been convicted of a DUI in the State of Florida, you’ll need an FR44 policy. It is a common mistake for Floridians to request an SR22 when they actually need an FR44. While an FR44 carries far higher Liability Limit requirements (100/300/50), it is also available in Non-Owner form. You can visitwww.MyFloridaFR44.com or www.Cheap-Florida-FR44.com to check pricing on Florida FR44 insurance.

** All Information Provided by www.MyFloridaSR22.com

Florida SR22 Insurance Explained

Florida SR22 Insurance Explained

A Florida SR22 (the “SR” stands for “safety responsibility”) is a document that verifies that someone has automobile insurance. The Florida SR22 is prepared by an insurance company and then filed (by the insurance company) with the department of motor vehicles (DMV). It is not an insurance policy. It is evidence that you have a policy.

Typically, a Florida SR22 is required when a driver seeks to reinstate a driver’s license after being convicted of a DUI, reckless driving, driving without insurance, or some other driving violation that’s resulted in a suspension. The Florida SR22 may be required whether you own a vehicle (owner SR22) or not (non-owner SR22). The SR22 is usually required for a number of years – for example, five years following a DUI conviction. If the policy holder fails to pay the premiums, the Florida SR22 is cancelled and an SR-26 is filed with the DMV. When the DMV receives the SR-26, the policy holder’s license is suspended until a new Florida SR22 is filed.

How to Get Your Driver's License Reinstated QUICKLY:

Insurance Coverage Requirements

The standards below indicate the minimum coverage required under law in Florida. Naturally, higher coverage can be acquired for policyholders concerned about liability.

$10,000	This is the maximum amount per person paid for bodily injury (“BI”) injuries.
$20,000	This the total amount paid by the policy for all bodily injury to all persons. Therefore if several people are injured, those who file first would receive payment as defined above, and once the total payment was reached, the remaining parties must pursue the policyholder for any sums over these amounts.
$10,000	This is the total amount paid for property damage (“PD”).

How are Premiums Determined?

An insurance company takes many factors into consideration when determining your insurance rates (premiums). Some factors may seem unfair. For example, drivers with higher education or who are married will generally receive better rates than a driver with a similar driving record. Below are the major factors affecting rates

• Driving record and accidents. Moving violations, DUIs, and accident claims trigger higher rates.
• Credit score. Bad credit scores trigger higher rates.
• Miles driven. Drive less, pay less.
• Occupation. Jobs involving driving or heavy commutes may trigger higher rates.
• Location. Higher crime rates in your neighborhood or a density of population (cities) will cause rates to rise.
• Age. Drivers under 25 pay more; drivers between 50 and 65 pay less.
• Gender and marital status. Women have fewer accidents and pay less than men. A married person is considered more stable and will receive a lower rate than a driver with a similar record.
• Type of car. The more powerful or expensive, the higher premium because high performance cars attract riskier drivers and expensive cars are more costly to repair.

A Florida SR22 is a form that certifies the insurance coverage includes bodily injury liability (BIL) and property damage liability (PDL). An SR22 is required for three years as the result of a Point Suspension, Habitual Traffic Revocation, Judgment involving a crash, or if you were the owner or operator of a vehicle that was involved in a crash and someone incurred injuries and you were not insured with BIL coverage at the time.

The SR22 certificate does not affect the cost of your insurance. However, the Florida SR22 is needed when you have a serious violation, which can affect your risk and which may result in higher insurance rates. The primary reason for the SR22 requirement is the failure to comply with your state’s financial-responsibility (insurance) law.

If the SR22-endorsed auto-insurance policy has expired or has been canceled, the insurer must file an SR-26, which is a cancellation of your Florida SR22 certificate. If the filing period has not expired, the state may suspend your driver’s license, and your license plates can be confiscated for failure to comply with the SR22 requirement. If your insurer has cancelled your insurance, you will need to find an insurer who is willing to issue a new Florida SR22 to have your license reinstated.

Florida SR22 policies vary widely in cost, but not as much in coverage. As with most things, using an Insurance Broker to shop the market for you will result in obtaining the lowest price based upon the severity of your violations, geography, age, gender, etc.

** All Information Provided By: www.MyFloridaSR22.com