What Is An SR22 Insurance In Florida?
Reader’s Question:
I had a DUI here in Florida and so I am now getting ready to reinstate my driver’s license. I was told I should get SR22 insurance and make sure I have minimum liability insurance, but what is SR22?
Charles
St. Petersburg, FL
SR22 is a form that is used by car insurance providers to confirm the fulfillment of drivers required to keep at least liability insurance. Car insurance providers submit the SR22 form to Florida’s Bureau of Financial Responsibility for their customers who are required to have proof of insurance. Drivers are usually required to have SR22 insurance if they have been convicted for Driving Under the Influence or DUI.
For drivers in the state of Florida, the minimum liability insurance every driver should have is $10,000 for Personal Injury Protection and $10,000 for Property Damage Liability. As specified on Florida SR22, aside from the No Fault law requisites, Bodily Injury Liability is needed for drivers who meet specific measures. Aside from DUI or drunk driving, other drivers who are required to have SR22 insurance are those who brought about injuries in an accident or those who have committed particular traffic infractions or suspension of driving privileges because of too many points in their driver’s license.
The lowest amounts of insurance coverage required for Bodily Injury with SR22 in Florida are $10,000/individual and $20,000/accident. There should also be $30,000 combined single limit for liability.
The car insurance premium for Bodily Injury Liability is no different from your car insurance provider in spite of a requirement for filing SR22. The extra charge for Florida SR22 would just be $15 for the filing fee. But drivers who are mandated to have Florida SR22 insurance normally pay higher car insurance premiums than others because of the reason for having SR22 like DUI.
When the car insurance provider has filed the SR22, falling short from your car insurance policy might end up having your driver’s license suspended. It would only be reinstated following the certification of mandated liability insurance by means of filing SR22 with the Bureau of Financial Responsibility.
Category: Uncategorized
