SR-22 in Orange Park, FL
An SR-22 is a certificate of financial responsibility required by the state of Florida for drivers deemed high risk. This certificate is not an insurance policy but a form your insurance company files with the state to confirm you carry the minimum required liability insurance. 
Why You Might Need an SR-22
There are several reasons why you might be required to file an SR-22. These can include the following:
- DUI or DWI convictions
- License suspension or revocation
- Driving without insurance
- Serious traffic violations
How to File an SR-22
To get an SR-22, you’ll need to contact your auto insurance provider. Not all insurance companies offer SR-22 filing, so you may need to shop around to find one that does. Once you find a provider, they will file the SR-22 form with the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) on your behalf.
Cost Implications
Your auto insurance premiums will likely increase due to the high-risk classification that comes with an SR-22 requirement. The cost of filing the SR-22 is usually a one-time fee, but the higher insurance rates can last for several years, depending on your driving record and the severity of the offense.
Maintaining Your SR-22
Maintaining continuous insurance coverage is crucial while you have an SR-22 requirement. If your policy lapses or is canceled, your insurance company must notify the FLHSMV, which could result in further penalties, including suspending your driving privileges.
In Florida, the SR-22 requirement typically lasts for three years. However, this period can vary based on the specifics of your case. It’s important to check with the FLHSMV or your insurance provider to understand the exact duration of your requirement.
Learn More
Contact Insure All Associates, Inc. in Orange Park, Florida, for a personalized quote for SR-22-compliant auto insurance.