What Are Florida SR22 Insurance Needs, Why Do People Need Them.

October 26, 2016 · Posted in General Articles on Car Insurance 

The SR22 is not a type of insurance coverage. It is a form that is filled out basically telling people that you actually do have insurance coverage. The insurance companies almost always fill this out before people who refuse certain types of coverage like bodily injury. Florida SR22 insurance requirements are confusing to some people. There are some things that you need know about them before you need this form.

As all ready mentioned, when you refuse bodily injury coverage an SR22 needs to be filled out. The SR22 form is merely to prove that you do in fact have coverage. It is similar to a guarantee that someone will pay if there is an accident. Ordinarily this form is not required by law. There are however some circumstances that do require the form as a just in case measure. These circumstances are usually when you have done something drastically wrong.

Some of the crimes that are associated with SR22 insurance can be costly themselves. The biggest and most widespread crime requiring it is driving while under the influence of alcohol or narcotics. Not only is doing this an extremely bad idea it can be extremely hard to get insurance after being convicted of this offense.

You will have to speak to your insurance company about the SR22. They will usually file the form for you depending on the situation. There are a lot of insurance companies. They need the money for filling out the form and it is possible to be too well defended.

Another crime that will require you to carry an SR22 is reckless driving. This charge almost always coincides with some form of severe accident where you are found at fault. Again it is because you broke the law that you will be made to pay higher fees and higher insurance premiums. These fees can get extremely costly.

Probably the one reason to carry it that makes the most sense is if you are cited or convicted of failure to keep insurance on your vehicle. If your insurance lapsed once and you did not renew it you probably will not have to carry this. If you have done it repeatedly and have been caught not paying for car insurance in the state of Florida they might just require you to have the SR22 form. Again insurance companies will make you pay a pretty penny at this point.

In Florida the SR22 is a guarantee that you will keep coverage on your vehicle. If the state believes you are a risky driver or not likely to carry it you will have to pay for this form. When the state says you need it is generally the only time you actually have to pay for it.

Something that you should keep in mind when purchasing this insurance is that not all companies are the same. Definitely shop around for all of your help. Make sure that you know your rights and possibilities. It can also help you to read a the instructions provided.

We hope you found this information useful? If you are searching for the best SR22 insurance, you can find it today! Qualifying for SR22 will be fast and easy when you begin your search in a centralized location now!

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