Form SR-22 is the name of the document providing verification to the Florida DMV of required car insurance for license reinstatement. Depending on the circumstances, court ordered suspensions may require different conditions from the SR-22. Bodily Injury Liability coverage, compliance period and payment terms are the major differences. A case number is assigned to each driver requiring an SR22. The number appears in the MVR and serves to match policies for insurance with SR22.
Uninsured drivers causing an accident with property damage only, require a Personal Injury Protection (PIP) and Property Damage Liability (PDL) policy. The type of policy to satisfy this SR-22 requires a 6 month non-cancelable (full payment required) policy and has a compliance period of two years. Bodily Injury Liability (BIL) is required when people are hurt. In Florida the coverage limits are $10,000 per person and $20,000 per accident. For this SR-22 the compliance period is three years and a policy that can be cancelled is acceptable. Driver license suspension will follow a canceled SR22 insurance policy. A new filing and increased reinstatement fee are necessary to regain license.
Form SR-22 is submitted (filed) by the insurance company to Florida's Bureau of Financial Responsibility. All filings are submitted electronically. Insurance companies have 15 days to file the SR-22 after policy begins. The Florida DMV will not reinstate a driver license until the electronic filing has been completed. An SR22 insurance filing is fast and efficient with the right company and license reinstatement can be obtained next day.
In October of 2007 Florida Form FR-44 replaced Form SR-22 for DUI drivers. The SR-22 filing is only acceptable on a Florida auto insurance policy. A $15.00 filing fee is added to the cost of a policy. Multiple SR-22s or an FR-44 and an SR-22 are not issued on the same driver. A new FR-44 filing will supersede an existing SR-22 requirement. Form SR-26 is used to report a policy that cancels which has an SR-22 filing. Since June 30 2009 all filings must be done electronically. The familiar pink forms given to policyholders to physically present to the DMV are no longer valid.
Florida SR22 insurance is fast and easy with Florida Auto Plus Insurance. We quote the lowest rates from the best companies. How much is DUI insurance HowMuchIsDUIinsurance.com is a question every convicted driver asks. Florida DUI and SR22 insurance, made easy, is welcomed relief for anyone going through this experience. For additional helpful car insurance facts, quotes and information please visit our Website or call 1-877-WIZ-AUTO (949-2886). |
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