Every so often someone will need an SR22 filing also known as a high risk insurance in Florida. The SR22 is a form that is filed with the state and guarantees them that you have purchased insurance. If you should let your insurance lapse, the insurance company would promptly notify the state with a SR26 form that rescinds their SR22 form.
SR22 Insurance is typically more expensive than standard auto insurance. With the exception of the filing itself, there is no difference in the coverages that are available to you. Some insurance companies, however, may refuse to write a policy for someone who needs a filing or limit the amount of insurance they will provide. Additionally, your existing insurance company may cancel your insurance if you need an SR22 while you’re insured with them. The reasons that people may need this type of insurance varies, but some reasons include:
- Receive a Driving Under the Influence ticket
- Too many speeding tickets
- Reckless Driving conviction
- Too many accidents
It is important to understand that receiving an SR22 is not the end of the world! We make the process easy and have companies that will file directly with the state.
“But I don’t even own a car! Why do I need an SR22?”
This is referred to as non-owners SR22. An SR22 does not cover a vehicle, but is a form for a driver who holds a driver’s license. Each state carriers different laws, so be sure to talk to your Atlantic Insurance Agency agent today about any questions you may have about this type of insurance.