Florida SR22 Insurance Information
The Florida DMV will require you to show proof of an SR22 insurance filing in Florida if your driver's license has been suspended or revoked for any of the reasons listed below before the Florida DMV will reinstate your driver's license:
- DUI (Driving under the influence)
- DUID (Driving under the influence of drugs)
- Failure to show proof of a valid vehicle registration
- Failure to show proof of valid insurance
- Falsifying insurance documents
- Unsatisfied judgments
- Driving without insurance
- Reckless driving
- Too many tickets within a certain period of time
This list is meant to give an overview of the reasons a person may be required to file an SR22 with the Florida DMV but should not be considered a complete list of the possible reasons the DMV may require an SR22 filing.
How long will I have to carry my Florida SR22 Insurance?
The SR22 filing period with the Florida DMV will be for a period of 3-years from the date of license reinstatement or from the date that a restricted license has been issued. The length of the SR22 filing period does not vary based upon the offense. The filing period is the same for a DUI offense as it is for driving without insurance.
It is important to understand that if you are required to maintain an SR22 insurance filing with the Florida DMV that if you experience a lapse in your SR22 insurance coverage for any reason, the Florida DMV will be notified by your insurance provider immediately and the DMV will cancel your driver's license immediately and send you a letter of cancellation in the mail. If this occurs you will be required to bring your SR22 insurance premiums current with your insurer and your insurer will have to file a new SR22 form with the DMV. Once this is done you will then need to pay the required license reinstatement fee before the Florida DMV will issue you a new driver's license.
How do I request a Florida administrative driver’s license hearing?
You only have 10 days from the date of having your Florida driver's license suspended in which to request an administrative hearing with the Florida DMV if you hope to avoid the possible suspension of your driver's license. If your suspension is for a DUI charge it is strongly recommend that you speak with a Florida DUI Lawyer who has experience with the Florida formal administrative hearing process. Your lawyer will setup the hearing on your behalf and represent you at the hearing.
If your suspension is for a reason other than driving under the influence, we recommend that you speak with an experienced Florida traffic court lawyer.
Where are the Florida DMV offices located?
The Florida DMV has office locations within every county. Visit the Florida DMV office locations page to find the location and office hours near you.
What happens if I fail to keep my Florida SR22 insurance policy current?
If you fail to pay your Florida SR22 insurance premiums on time your insurance provider is obligated by law to immediately inform the Florida DMV of your lapse in coverage. If this occurs the DMV is going to send you a letter in the mail informing you that your Florida driver's license has been cancelled due to failure to maintain the required SR22 or FR44 insurance filing with the DMV. Before the Florida DMV will issue you a new license you must do the following:
- Bring your Florida SR22 insurance premiums current with your insurer.
- Your insurer will file another SR22 form with the DMV.
- You will then need to pay another license reinstatement fee to the DMV before they will issue you a new driver's license.
If you do not follow the steps outlined above you may face several other consequences. For example:
- If you decide to continue driving on a suspended Florida license and get pulled over you risk additional fines and penalties from the state of Florida for driving on a suspended license.
- Driving without valid proof of insurance also carries a heavy fine in the state of Florida if you are found to be without coverage.
What's the difference between Florida SR22 insurance & FR44 insurance?
The only difference between a Florida SR22 insurance policy and a Florida FR44 insurance policy is the minimum liability coverage limits. An FR44 insurance policy is written with a minimum of twice the state minimum limits. In Florida the minimum required liability limits are 10/20/10 so an FR44 insurance policy would be written with minimum coverage limits of 20/40/20.
How do I avoid a lapse in my Florida SR22 or FR44 insurance coverage?
The easiest way to avoid a lapse in your Florida SR22 or FR44 insurance coverage is to start by finding the lowest cost SR22/FR44 insurance policy you can in the state of Florida from the start. People are often shocked when they receive their initial Florida SR22 insurance quotes from us and see how much we can save them over what they have been paying for their SR22 insurance policy. Do yourself a favor and get a quote now and see how much we can help you save on your SR22 insurance in Florida.
|
