SR22 insurance Florida is a high risk insurance certificate you have to obtain to reinstate your license after a suspension. The state of Florida requires all drivers to carry liability insurance coverage on their vehicles. If you fail to comply with the law, the state will suspend your driver’s license. Even if you don’t own a car, you’ll need non owner SR22 insurance to regain your driving privileges after a license suspension.
What is SR22 insurance Florida?
SR22 insurance isn’t an insurance policy; instead, it is a financial responsibility form an insurance provider files with the state to reinstate your license. Your insurance provider writes an auto or non-owner insurance policy, ties the SR22 certificate to the policy, and files it with the state. The state considers the SR22 filing a guarantee that you’ll remain insured for a specified time. Typically, you’ll have to carry SR22 insurance Florida for three years. If you miss a payment or fail to renew, the underwriter submits an SR26 form to Florida HSMV. This alerts the state that you no longer have insurance coverage, and the state suspends your license again.
If you own a vehicle, the SR22 insurance Florida certificate is an endorsement to your auto insurance policy. If you don’t own a car, the SR22 is attached to a non owner insurance policy. For more information about Florida Non Owner SR22 Insurance, see these articles on our website:
Reasons people require SR22 insurance
There are a variety of reasons that people require high-risk insurance. For example, suppose your auto insurance has expired, and an officer pulls you over. In most cases like this, the state will suspend your license, requiring you to carry SR22 insurance for a specified time. Other instances when you may need SR22 insurance Florida include:
- Driving with a suspended or revoked license
- Getting an excessive number of tickets in a short period
- Having an accident while driving without insurance
- Legal judgments
- Reckless driving
- Child support
Florida points system
If you exceed the number of points Florida allows on your driving record, the state will suspend your license. Below is the Florida point system showing the number of points (offenses) that call for a specific license suspension period:
- 12 points within a period of a year = a 30-day license suspension
- 18 points within 18 months = a three-month suspension
- 24 points within 36 months = a one-year suspension
Drivers under the age of 18 can accumulate only 6 points on their driving record over a one-year period.
More details about Florida license suspension and reinstatement are available on the Florida HSMV website.
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