SR-22 Insurance

If you are convicted of serious traffic offenses, have multiple moving violations in a short period of time, are caught driving in Florida without proper insurance, you may be required to file an SR-22 form.  

Contact your agent right away if the Department of Motor Vehicles (DMV) or a judge requires that you file SR-22. The agents at Gene Smith Insurance Agency in Dade City, Florida can help you fulfill the DMV’s requirements.  

What Is SR-22 Insurance? 

SR-22 insurance isn’t a type of car insurance policy. It’s a certificate of financial responsibility filed on your behalf by your insurer, proving that you have auto liability insurance coverage that meets Florida’s minimum requirements.  

The SR-22 form shows that your auto insurance policy includes the following coverage: 

• Property damage liability to help pay for third-party property damage after an at-fault accident 
• Bodily injury liability to help pay for third-party injuries after an at-fault accident 

What Happens if You Don’t Get SR-22 Conforming Insurance? 

If you fail to file the SR-22 form as required, you may lose your driving privileges. If your SR-22 conforming insurance policy is canceled when you must have an SR-22 form on file, your insurer will notify the DMV and your license may be suspended or revoked.  

How Much Is SR-22 Conforming Insurance? 

SR-22 conforming insurance may cost more because it’s typically required after you are convicted of a serious driving offense. Insurers use information about your driving record to help determine your insurance premiums, and moving violations which will increase the amount of money you pay for auto insurance.  

What Does SR-22 Insurance Cover? 

The insurance you must purchase to file an SR-22 form must meet Florida’s minimum liability requirements. You can purchase any amount of insurance over the minimum liability amount. If you have a loan or lease, your lender often requires you to purchase full auto insurance, including comprehensive and collision coverage.  

Talk With Your Agent to Understand Auto Insurance Requirements 

Contact your agent immediately if you receive notice that you must file an SR-22 form. There’s typically a deadline associated with a request for the SR-22 form. Your insurer may charge a fee to file the paperwork on your behalf.  

Your agent can help you understand Florida’s auto liability insurance requirements and make sure your policy is appropriate for your needs.  

Contact Us for Help Filing SR-22 

If you must file a Florida SR-22 form, contact Gene Smith Insurance Agency right away. We can help you file the appropriate paperwork.