Florida FR22 Non-Owner and Owner Policies.

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How to Obtain the Lowest Price on a Florida SR22

What Is a Florida SR22?

Drivers may be required to file a Florida SR22 with the State for one of the following reasons:

  1. Accumulation of Points on Driving Record
    1. 12 Points in 12 Months
    2. 18 Points in 18 Months
    3. 24 Points in 36 Months
    4. Failure to Pay Child Support
    5. Incapable of Operating a Motor Vehicle Safely
    6. DUI (See Florida FR44 Insurance)

One reason for this filing, beyond punishing the violator for his or her offense, is that the State doesn’t trust that the driver will purchase and continue to pay for their insurance policy without a “Nanny System” in place. The insurance company reports to the State DMV, on a monthly basis, that the insured is indeed covered with the required policy amounts. If at any point in time your coverage were to lapse, the insurance company immediately reports that lapse, your license is suspended, and unbeknownst to you… you’re no longer legally able to operate a vehicle.

The first question is whether you need a Florida SR22 Owner Policy or Florida SR22 Non-Owner Policy. You’ll need an Owner Policy if you actually own a vehicle that you plan on driving. In its simplest form, if your automobile needs to be covered on the insurance policy, you need an Owner Policy. Conversely, if you don’t own a car and plan on just driving other automobiles, insured by their respective owners, you can purchase the lesser expensive Non-Owner Policy.

What Information will you Need to get a Quote on a Florida SR22?

The information you’ll need to provide for a solid quote is as follows:

  1. Full Name
  2. Your Gender
  3. Your Physical Mailing Address (P.O. Boxes are Not Allowed)
  4. Phone Number
  5. Birth Date
  6. Relationship Status (Married, Divorced, Single, Widowed)
  7. Driver’s License Number
  8. The State You’re Licensed In
  9. The State You Need the Filing in (You Can Live In One State and Have to File in Another)
  10. Whether You Need an Owner or Non-Owner Policy
  11. If an Owner Policy is Needed, the VIN (Vehicle Identification Number) on that Automobile
  12. If You Need a Florida SR22, Your Case Number (or Conviction Number), which is a 9 Digit Number (No Letters, All Numbers). You can call the DMV and Request this Number if you Don’t Know it

Quotes can be run in as little as 5 minutes and a number of different insurance companies can be shopped. Shopping the market ensures you get the best product at the best price. You can immediately purchase your SR22 with a MasterCard, Visa, or Discover Card (in most cases). It is not necessary for you to be the Card Holder; anyone can pay for your policy.

What does a Florida SR22 Cost?

Many factors play into the pricing of the plan; demographics, insurance company rates, age, gender, number and severity of violations, etc. An MVR Report will be mandatory before a quote can be generated. One of the worst things to show up on your record are “At Fault” accidents. Basically, if you’ve cost insurance companies money in the past, you’re going to pay for it… that’s if you can even be covered at all. A seriously bad driving record, one with 2 or more At Fault accidents, can actually cause most insurance companies to decline coverage altogether. However, we have ways of finding alternatives and have only met a few cases we couldn’t get coverage for.

Fortunately a Florida SR22 can be purchased with Monthly Payments (unlike its FR44 counterpart, which must be paid in full).

How Does the Florida SR22 Get Filed with the State?

I can’t speak for all Agents or Agencies, but if you obtain your Florida SR22 through us, we file everything for you. We put the paperwork together, make the policy active, notify Tallahassee of your compliance, electronically file your FR44 with the DMV, and email your policy to you within 30 minutes. Additionally, in approximately 5 business days, you’ll receive a “Hard Copy” of your policy from the insurance company.

Even though all of this happens quickly, it will still take anywhere from 24 to 48 hours before you’ll show up in the DMV’s system. Don’t think you can purchase a policy while sitting at the DMV and by the time they call your number, have your information logged into the system. On special occasions, with the right DMV personnel, they can/will process everything with a copy… it’s “Hit and Miss”. Obviously the best thing to do is give yourself at least 2 weeks before you need to have your license reinstated. This will ensure a smooth transaction.

Where Can You Obtain a Florida SR22?

While a number of insurance companies will sell you an SR22, many of them don’t really want to work with the “High Risk” driving market. Therefore, they price their products accordingly. By virtue of being able to offer the insurance, the company has been “cleared” by the State of Florida… so don’t worry about the company itself. However, if you’re going to receive State Minimum Coverage no matter which company you choose, you may as well find the Lowest Price. Insurance pricing fluctuates throughout the year based upon win/loss ratios, financial stability, etc. so the price you received yesterday may not be the best price today. While it’s smart to request a quote for the future, if for no other reason than to gauge an estimated price for your policy, understand that the rate may change by the time you actually purchase the policy.

We would be happy to shop the market for your Florida SR22. You can call us at 1-855-678-6977 to speak with a licensed insurance agent or you can complete our on-line quoting form at www.MyFloridaSR22.com.

Consequences for Not Carrying a Court Mandated Florida SR22 Policy

No Florida SR22? Do The Crime… Do The Time…

If the State of Florida has Mandated that you obtain a Florida SR22 Insurance Policy… and you drive without one… what are the consequences?

Under Florida Law, the penalty for driving without proper insurance is punishable with fines between $150 and $500, loss of license and being required to carry SR22 approved insurance for up to three years. In addition to the initial fines, the driver will be responsible for court costs and drivers license reinstatement fees.

While SR22 and FR44 insurance coverage is mandatory in several cases, it is by no means the limit to the coverage that a driver can get. These are simply the bare minimums. Full coverage insurance, including collision and comprehensive components, is still far better than the minimums that SR22 and FR44 impose. Because no two insurance situations are alike, Florida auto insurance agents should be consulted to help determine the best coverage in an individual. Make sure the coverage that is ultimately chosen fits your needs. Don’t take out full coverage on a car that can be replaced with a few thousand dollars. You’ll be able to save that amount in a few years based on the savings in premium differences between PIP/PDL and full coverage. In contrast, don’t get PIP/PDL if you own a new Cadillac that will cost over $30,000 to replace if it is totaled.

Florida SR22 Insurance, Florida DUI Insurance, FL SR22, SR22

Select Insurance Group Specializes in Non-Owner and Owner Florida SR22 Insurance Products.With thousands of policies sold, Select Insurance Group has the resources, experience, and customer support to find you the right product at the lowest price. As Insurance Brokers, we’re not tied to any specific company. Our objective is to find the right insurance product that matches your legal requirements and budget. Select Insurance Group routinely finds Florida SR22 Policies that are thousands of dollars less than competing quotes… simply by shopping the market at the time of purchase. Let Select Insurance Group find you the lowest price today! Call Now or enter your information into our Quoting Engine!

PORTIONS OF THIS ARTICLE RE-POSTED FROM FLORIDAAUTOINSURANCECHEAP.COM/SR22-INSURANCE

Top Questions Regarding an SR22 Insurance Policy

What is an SR22?

An SR-22 is simply a car insurance company’s guarantee to the state that you are carrying the legally mandated coverage. An SR-22 by itself does not raise your insurance rates. Rather, it is the conviction that triggered the requirement– usually a DUI, driving without insurance or reckless driving — that causes your premiums to soar.

Many motorists mistakenly believe the SR-22 is an actual type of car insurance, but that’s not the case. The SR-22 is simply a form that your car insurance company files on your behalf with the state.

The form, usually filed electronically, provides the state with proof of financial responsibility by showing that you have the required insurance coverages in effect.  The state-mandated coverages may be the same as your state’s minimum liability requirements or different coverages with higher limits.   The exact auto insurance requirements differ from state to state.

You can get your SR-22 only from a car insurance company because the purpose of the form is to show that you have obtained, and will maintain, certain insurance coverage.  There is no other way to get the SR-22; you cannot get an SR-22 without buying a car insurance policy.

Why am I required to carry an SR22?

All states except Delaware, Kentucky, Minnesota, New Mexico, New York, North Carolina, Oklahoma and Pennsylvania may require a driver to obtain a SR-22.

Some of the reasons your state may require an SR-22 certificate of financial responsibility include, but aren’t limited to, the following:

  • Failure to carry liability insurance on your vehicle
  • Conviction for driving without insurance
  • Driving uninsured and being involved in a motor vehicle accident
  • DUI, DWI or other major alcohol offense convictions
  • Serious moving violation (such as reckless driving) convictions
  • Accumulating too many DMV points
  • Being termed a habitual traffic offender
  • Needing to apply for a hardship or probationary permit (while license is suspended)
  • Reinstating your license after a suspension or revocation

 

Determining the Status of Your Florida Driver’s License

Determine the Status of Your Florida Driver’s License

The Department of Highway Safety and Motor Vehicles (DHSMV) and the courts have the ability to suspend or revoke your driver’s license on a variety of grounds.

Sometimes, your driver’s license can be suspended without your knowing it. It’s easy to check the status of your license when you look at your driving record.

Check Your Driving Record

Your driving record report will advise you if your driver’s license is currently valid or whether it’s suspended or revoked. The record will also show points against your license and, in some cases, any accidents you have had.

You can order your driving record in one of three ways: online, in person, or through the mail.

  • Order Driving Record In Person
    1. Complete and notarize a Request for Personal Information if you want your personal information shown on the record.
    2. Be ready to pay the $2.10 or $3.10 fee, depending on whether you want a certified copy and how far back you want to go.
    3. Visit your County Clerk’s office. You may want to call in advance to see which forms of payment are accepted.
  • Order Driving Record By Mail
    1. Write a letter asking for your record or the record of the individual you’re researching. Remember to include your full name, your date of birth, social security number, and Florida driver’s license.
    2. Fill out and notarize the Request for Personal Information if you are ordering your own record and want your personal information visible on it.
    3. Include a check or money order to cover the fee. It’s $2.10 for a one year history, or $3.10 to go back completely or for a certified copy.
    4. If you can wait two weeks for the receipt, mail the application and fee to:
      • Bureau of Records
      • P.O. Box 5775
      • Tallahassee, FL 32314-5775
    5. To request that your record is sent by next-day delivery, send to:
      • Bureau of Records
      • 2900 Apalachee Parkway, MS 90
      • Tallahassee, FL 32399-0575

Suspended in All States?

If you move and have a suspended license in your old state, you won’t be able to get a new driver’s license in your new state, either. This is because of the National Driver Register (NDR) and the Driver License Compact, both of which tell other states if you’re suspended anywhere in the U.S.

Penalties for Driving on a Suspended License

If you drive on a suspended license, your penalties depend on the circumstances. You could be charged with a misdemeanor or a felony. The DHSMV provides a special bulletin you can download that highlights the penalties for driving on a suspended license.

Contact an Attorney

If you’re being charged with a felony for driving on a suspended license, you may want to get advice from an attorney. An experienced attorney may help lower your costs and penalties.

Obtain a Restricted License

Some people may have the option of getting a hardship license so they can drive to and from work. Whether you qualify depends on factors like your offense and how many points you have.

To find out if you qualify, you need to contact your local Administrative Reviews office. To find your office, look under your county’s listing for a heading that reads “Under Suspension – Need Driver License for Work,” and a phone number to call.

If you need more assistance with obtaining a hardship license, seek legal advice.

Reinstate Your License

When you’re allowed to reinstate your license―and the requirements you must fulfill to do so―depends on the reason for your license suspension.

Some of these scenarios may cause your insurance to jump; you may be able to get a lower rate if you shop around.

The process differs slightly from scenario to scenario, and you may want to consult an attorney before you get started. Here are a few examples:

Reinstate for Child Support Delinquency

  1. To get your license back, you must become current on your support and get affidavit Form # DHSMV 73986 from the clerk of the court, child support agency, or depository.
  2. Bring this and a $60 fee in to your County Clerk’s office.
  3. If you received the affidavit before your license got suspended, the fee will be waived. Just show them the date on the affidavit to prove it.

Habitual Traffic Offender

  1. Your license is suspended for five years. After one year, you can ask for a hardship license from the Administrative Reviews office.
  2. You must attend driver improvement. If you got a DUI, you’ll need to go to DUI school.
  3. After five years, you’ll have to request a new license from the Administrative Reviews office (the same place that gave you your hardship license).

Violation Resulting in Death or Personal Injury (Not a DUI)

  1. Your license will be suspended for a year.
  2. You’ll have to take Advanced Driver Training and an exam.
  3. You’ll have to pay $35 to reinstate your license, plus license fees.

Failure to Comply with Traffic Summons or Pay a Fine

  1. You’ll have to pay your fines at a traffic court or online, if your county allows.
  2. Bring your payment proof to a DMV office and pay a $60 fee.

Keep Your Record Clean

There are many ways to get your license suspended. The state has an interactive quiz that tests your knowledge of how your license may be suspended. Try it out.

In the meantime, avoid:

Giving False Information on a License Application

If you give wrong information on your driver’s license application, your license will be suspended. You may request a hearing, but if you’re found to have committed fraud, you’ll have to pay fines and wait for a period before obtaining a new license.

Getting Too Many Points

Getting citations resulting in too many point violations on your record.

  • 12 points in 12 months: 30 day suspension.
  • 18 points in 18 months: Three month suspension.
  • 24 points in 36 months: 12 month suspension.

Refusing to Comply with State Laws

Your license is used as a compliance tool in law enforcement. If you don’t stop for a school bus, are using tobacco if you’re under age 18, or don’t pay your child support, you can have your license suspended.

Refusing a Blood Alcohol Test

Under state law, you must take a blood alcohol test when you’re suspected of driving under the influence. Your license could be suspended even if you’re innocent, if you fail to comply.

Lacking Florida Insurance

You must have current and adequate Florida insurance with $10,000 minimum personal injury protection and $10,000 minimum property coverage to drive. If you don’t, you face a suspended license.

Remember, you must get your insurance from a company licensed in the state.

Ignoring Your Traffic Tickets

If you’ve gotten traffic tickets that you don’t pay, or if you don’t appear in court when you’re supposed to, your driver’s license can get suspended. Your signing the ticket when you receive it means that you’re acknowledging you will take care of the ticket.

Getting a DUI

A DUI results in an automatic suspension. How long the suspension lasts depends on how many times it’s happened. Suspension times vary from 180 days to permanent revocation.

INFORMATION RE-POSTED FROM DMV.ORG

Florida SR22 Requirements And More…

Florida SR22 – When Do You Need It?

The Florida SR22 (the “SR” stands for “safety responsibility”) is a document that verifies that someone has automobile insurance. The SR22 is prepared by an insurance company and then filed (by the insurance company) with the department of motor vehicles (DMV).  The Florida SR22 is not an insurance policy. It is evidence that you have a policy.

Typically, a Florida SR22 is required when a driver seeks to reinstate a driver’s license after being convicted of a DUI, reckless driving, driving without insurance, or some other driving violation that’s resulted in a suspension. The Florida SR22 may be required whether you own a vehicle (owner SR22) or not (non-owner SR22). The Florida SR22 is usually required for a number of years – for example, five years following a DUI conviction. If the policy holder fails to pay the premiums, the SR22 is cancelled and an SR-26 is filed with the DMV. When the DMV receives the SR-26, the policy holder’s license is suspended until a new Florida SR22 is filed.

Florida requires both personal injury protection and property damage liability insurance for all drivers. The Department of Highway Safety may suspend a license, vehicle tags and registration for a driver who fails to maintain this coverage.

Florida has no-fault insurance law

A no-fault system is intended to prevent insurance fraud because your insurance company compensates you and your passengers for injuries regardless of who is proved at fault. This limits litigation because there is no need to battle over who is at fault. It also speeds up the payment process. The driver who is at fault in the accident is typically charged a higher at-risk insurance premium. In extraordinary situations, a driver in a no-fault state may seek relief in the courts for certain pain-and-suffering damages (versus medical and wage loss damages). In Florida, an injured driver can sue for pain and suffering damages if these injuries fall into a certain category – for example, death, disability, or disfigurement.

Insurance coverage requirements in Florida

The standards below indicate the minimum coverage required under law in Florida. Naturally, higher coverage can be acquired for policyholders concerned about liability.

$10,000 This is the maximum amount per person paid for bodily injury (“BI”) injuries.
$20,000 This the total amount paid by the policy for all bodily injury to all persons. Therefore if several people are injured, those who file first would receive payment as defined above, and once the total payment was reached, the remaining parties must pursue the policyholder for any sums over these amounts.
$10,000 This is the total amount paid for property damage (“PD”).

Florida SR22 Insurance, Cheap Florida SR22 Insurance

What if you’re involved in an accident in a state other than Florida?

The good news is that most policies will increase to match the minimum requirements of the state in which the accident occurred. The 12 states with no-fault insurance systems require that your insurer pay for your damages (as if you had a no-fault policy).

How are premiums determined?

An insurance company takes many factors into consideration when determining your insurance rates (premiums).  Some factors may seem unfair. For example, drivers with higher education or who are married will generally receive better rates than a driver with a similar driving record. Below are the major factors affecting rates

  • Driving record and accidents. Moving violations, DUIs, and accident claims trigger higher rates.
  • Credit score. Bad credit scores trigger higher rates.
  • Miles driven.  Drive less, pay less.
  • Occupation. Jobs involving driving or heavy commutes may trigger higher rates.
  • Location. Higher crime rates in your neighborhood or a density of population (cities) will cause rates to rise.
  • Age. Drivers under 25 pay more; drivers between 50 and 65 pay less.
  • Gender and marital status. Women have fewer accidents and pay less than men. A married person is considered more stable and will receive a lower rate than a driver with a similar record.
  • Type of car. The more powerful or expensive, the higher premium because high performance cars attract riskier drivers and expensive cars are more costly to repair.
INFORMATION, IN PART, WAS REPOSTED FROM DRIVINGLAWS.ORG

Florida DUI Conviction Information

The Repercussions of a DUI in the State of Florida

If you need another reason to avoid a DUI conviction, consider the fact that a Florida driver’s license suspension for a Driving Under the Influence (“DUI”) conviction will cause your auto insurance rates to increase dramatically for the next five years.

A DUI conviction might also make it more expensive to obtain other forms of insurance, including life insurance, medical and disability insurance. Contact a Tampa DUI Attorney to find out more about the effect a DUI conviction will have on your car insurance rates including the requirement for FR 44 insurance. Find the lowest price on Florida FR44 Insurance here.

Increased Insurance Premiums with FR-44 Insurance

Your Florida auto insurance premiums could increase by 200% to 300% from the amount you paid prior to your DUI arrest. Even worse, your insurance company may cancel or fail to renew your automobile insurance coverage in Florida. If you shop for new automobile insurance after being canceled from your old insurance company, the fact that your auto insurance is canceled will cause an additional increase in insurance premiums.

For many the increase in insurance premiums is so dramatic that maintaining automobile insurance becomes difficult or impossible. Any lapse in insurance will result in an automatic suspension of your driver’s license under Florida law.

Higher Policy Limits

On February 2, 2008, the Florida Department of Highway Safety and Motor Vehicles (“DHSMV”) introduced the new financial responsibility certification required under Section 316.193, Florida Statutes. The certification is a form called a Florida FR-44 Form and is similar to the SR-22, which was required prior to February 2, 2008. One of the differences between the new FR-44 form and the old SR-22 form is that higher liability limits are now required.

After a DUI conviction in Florida, your license will be suspended by order of the court. In order to reinstate your Florida driver’s license, you will be required to obtain a FR-44 Form which must be maintained for three years. You obtain the FR-44 form from your auto insurance company. As soon as you ask for the FR-44, your auto insurance company will know that your driver’s license has been suspended for a Florida DUI conviction, and your status will be changed to “high risk” causing the increased premiums.

FR44 Insurance in the State of Florida

The Florida 44 Form is a certificate of continuing financial responsibility showing the limits of your automobile liability insurance that must be kept on file with the Florida DHSMV for three years from the ending date of any revocation. The Florida 44 form also requires the insurance company to notify the DHSMV if your insurance policy is canceled, terminated, or lapses for any reason.

You must increase your auto insurance policy to comply with Florida FR44 liability limits, which are 100/300/50. The 100/300/50 limits means that you must have bodily injury liability insurance in the amount of $100,000 per person, $300,000 per occurrence and $50,000 property damage liability coverage. To reinstate your Florida driver’s license, you must usually pay a reinstatement fee of $150 (for a first suspension), $250 (for a second suspension), or $500 (for a third suspension). For quotes on Florida FR44 insurance policies, click here.

Find Out More About Avoiding the Hidden Costs of a DUI Conviction

If you have been arrested for driving under the influence (“DUI”) in Hillsborough County, Pinellas County, Polk County or Pasco County, contact an experienced Tampa DUI Attorney to discuss the true costs of a Florida DUI conviction.

The Sammis Law Firm Lawyers handle driving under the influense (“DUI”) cases throughout the Tampa Bay Area, including the cites of Tampa, Pinellas, St. Petersburg, Plant City, New Port Richey, Dade City, and Bartow, Florida. Contact the Sammis Law Firm for a free consultation to discuss your Florida DUI arrest and pending DUI charges in Hillsborough County, Pasco County, Pinellas County, Polk County or the surrounding areas.

INFORMATION OBTAINED FROM CRIMINALDEFENSEATTORNEYTAMPA.COM

Top SR22 Owner and SR22 Non-Owner Questions and Answers

What is an SR22?

Many motorists mistakenly believe the SR-22 is an actual type of car insurance, but that’s not the case. The SR-22 is simply a form that your car insurance company files on your behalf with the state.

The form, usually filed electronically, provides the state with proof of financial responsibility by showing that you have the required insurance coverages in effect.  The state-mandated coverages may be the same as your state’s minimum liability requirements or different coverages with higher limits.   The exact auto insurance requirements differ from state to state.

You can get your SR-22 only from a car insurance company because the purpose of the form is to show that you have obtained, and will maintain, certain insurance coverage.  There is no other way to get the SR-22; you cannot get an SR-22 without buying a car insurance policy.

Why do I have to carry an SR22?

All states except Delaware, Kentucky, Minnesota, New Mexico, New York, North Carolina, Oklahoma and Pennsylvania may require a driver to obtain a SR-22.

Some of the reasons your state may require an SR-22 certificate of financial responsibility include, but aren’t limited to, the following:

  • Failure to carry liability insurance on your vehicle
  • Conviction for driving without insurance
  • Driving uninsured and being involved in a motor vehicle accident
  • DUI, DWI or other major alcohol offense convictions
  • Serious moving violation (such as reckless driving) convictions
  • Accumulating too many DMV points
  • Being termed a habitual traffic offender
  • Needing to apply for a hardship or probationary permit (while license is suspended)
  • Reinstating your license after a suspension or revocation

To find out under what circumstances your specific state requires the SR-22, contact your department of motor vehicles.

How long do I need to carry an SR22?

In most states, you must carry the SR-22 for three years, but the period varies from one to five years. In some places the period varies by offense.

The start date for counting how long you must carry the SR-22 also varies by state.  Your state’s department of motor vehicles will tell you how long you need to carry the SR-22 and from what date.  The clock may start with the offense date, conviction date, suspension date or date of your driver’s license reinstatement.

Don’t cancel an SR-22 before your filing period is up or your state will find out and penalize you.  If car insurance associated with an SR-22 is removed or canceled, the insurer must file an SR-26 that informs the state of the cancellation.  The state can then take actions against you that typically include the loss of your driver’s license and/or vehicle registration.

What’s the difference between an SR22 and an FR44?

The FR-44 also provides proof of financial responsibility, but mandates that you carry higher liability limits.  The FR-44 is used only in Florida and Virginia currently and is required instead of the SR-22 when you have been convicted of certain alcohol-related offenses.   The FR-44 must be held for three years in these states, the same period such states require the SR-22 to be carried.

In Florida, FR-44 has bodily injury liability limits of $100,000 per person, $300,000 per accident and property damage liability limits of $50,000.  This is written as 100/300/50. The Florida SR-22 has liability limits of only 10/20/10.

In Virginia, the FR-44 liability insurance limits are 50/100/40, which are double the limits required for a SR-22 filing (currently 25/50/20).

SR22 Owner and SR22 Non-Owner Insurance Policy Questions, SR22 Questions and Answers

What if I don’t own a car? Is there a Non-Owner’s SR22 policy?

If you don’t own a car, you can still be required to carry an SR-22, and in that case you will need to get a non-owner’s policy to fulfill your SR-22 filing requirement.

With a normal SR-22 policy, you own and insure a vehicle, but with a non-owner’s policy you don’t own a vehicle to insure directly or have access to a car that you can insure.

If you have a vehicle registered to you, one in your household, or someone provides a vehicle for your regular and frequent use, you should NOT purchase a non-owner policy for coverage. If none of these situations applies, you can get a non-owner’s policy that complies with your SR-22 filing requirement.

How much does an SR22 Cost?

A car insurance company filing the SR-22 form on your behalf may charge you a one-time filing fee of between $15 and $50 (typically, it’s $25). However, the cost of the auto insurance policy associated with the SR-22 varies.

The car insurance policy associated with a SR-22 doesn’t have a set premium. It’s calculated according to standard rating factors, such as your driving record, your geographical location, and the type of vehicle you drive, to name a few. If your driving record shows that you are a risky driver, due to a major offense like a DUI, your rates will be higher, whether or not an SR-22 is required.

The only way to determine how much your SR-22 car insurance policy will actually cost is to get a personalized car insurance quote. It pays to shop around; one insurance company may look at a DUI very differently than another, for example. An Insurance Broker can shop multiple companies for you to find the best coverage at the best price.

 

ARTICLE SOURCE PRIMARILY FROM CARINSURANCE.COM

Florida Non-Owner SR22 Insurance Policies

What if I need an SR22, but don’t own a vehicle in the State of Florida?

Simply put, you’ll need a Non-Owner Florida SR22 Auto Insurance Policy.

The Department of Motor Vehicles (DMV) wants to know you have the abilty to cover any future automobile accidents in the State of Florida with an active insurance policy. This is accomplished via a form called an SR22. Basically the insurance company reports the existence of your insurance policy to the DMV on a monthly basis. While confusing to some, it’s really that simple. Even if you don’t own a vehicle in the State of Florida, you’re now covered by State Minimum Requirements while driving any automobile. A Non-Owner’s SR22 can be paid in full for 6 months or, in most cases, you have the option to make monthly payments.

If you do own a vehicle, and you need that vehicle to be listed on your SR22 policy, you’ll want an Owner’s SR22 policy instead. This is the same concept as a Non Owner’s SR22, but your vehicle will be clearly listed on the policy itself. Obviously an SR22 Owner’s Policy will be more expensive than an SR22 Non-Owner’s policy.

Florida Non Owner SR22 Insurance Policy

To obtain a Non-Owner SR22 policy in the State of Florida, simply contact a reputable insurance agency. Not all Automobile Insurance Companies offer SR22’s and the pricing differs dramatically. An Insurance Broker can search the market and identify the best coverage for the price.

From a liability standpoint, your Non-Owner Florida SR22 will be applied in a secondary fashion to the Primary Insurance on the vehicle. Therefore, if you’re driving someone else’s car, and you have an accident, it will be their insurance that bears the bulk of the responsibility. Only after their limits have been exhausted will your SR22 policy be applied.

If you carry a Florida Non-Owner SR22 Insurance policy, and you do purchase an automobile, you’ll need to contact your insurance company so your policy can be converted to an Owner’s Policy. If you don’t do this, and you have an accident, your coverage on the Non-Owner SR22 Policy may be denied.

How Do I Get An SR22?

What Is An SR22?

While there are many reasons you would be required to obtain an SR22 in your State, some of the most common are: Driving under the influence (DUI, DWI, DWA), At Fault in an accident while driving without insurance, Multiple traffic offenses, most any suspension related to a traffic violation. In these cases, most States will require you to show future financial responsibility by having SR22 insurance. SR22 insurance can be purchased by a licensed insurance company in your state. The form shows the state that you have minimum liability limits for auto insurance. Policies are generally purchased in 6 month segments and can usually be paid for on a monthly basis to keep payments manageable.

Types of SR22 Policies

Basically there are two options; an Owner’s Policy and a Non-Owner’s Policy. The Owner’s Policy means we’ll add a vehicle to your policy. Conversely, the Non-Owner’s Policy means we won’t add a vehicle to your policy. Prefereably, from a financial perspective, we want to try to keep an automobile OFF of your policy. The reason for this is simply by virtue of needing an SR22, the insurance company is going to assume you’re a “High Risk” driver. Therefore, your insurance rates on that vehicle are going to be “Less Than Reasonable”. There are legitimate ways to keep a vehicle off of your policy and we can discuss those over the phone as each situation is unique. You can also legally get a Non-Owner’s Policy if you currently have “regular”  insurance on your vehicle through another company.

SR22, Cheap SR22, How to get an SR22, Florida SR22, Ohio SR22

Getting an SR22

Let’s just get this out there… It’s not going to be cheap in many cases. However, it’s often cheaper than anticipated. If we’re being honest, the requirement to obtain an SR22 is a punishment… it’s not supposed to be pleasant. Finding an agency to shop insurance rates is the best way to keep costs down.

You really shouldn’t make this more difficult than it has to be though. If you contact a reputable Insurance Broker, one that is familiar with the SR22 market, they handle all of the paperwork for you. They obtain the policy, email your cards and policy declaration, contact the DMV in your State and notify them of your compliance, etc. There’s nothing for you to do outside of provide the necessary contact information and pay for the policy.

So, while we hope to make the process as painless as possible, this is a business where we hope we never see a client more than once. Simply do your “time”, usually 2 or 3 years, and move on. From a compliance standpoint, leave that to us… it’s what we do. Call us today at 1-855-678-MY SR22 (1-855-678-6977) or access our Quoting Engine to search for the Lowest SR22 Rates in the State.

Select Insurance Group Specializes in FR44, SR22, SR50 and SR22A insurance products. With thousands of policies sold across the United States, Select Insurance Group has the resources, experience, and customer support to find you the right product at the lowest price. As Insurance Brokers, we’re not tied to any specific company. Our objective is to find the right product that matches your legal requirements and budget. Select Insurance Group routinely finds policies that are thousands of dollars less than competing quotes… simply by shopping the market at the time of purchase. Let Select Insurance Group find you the lowest price on your today! Call Now or enter your information into our Quoting Engine!

 

Florida FR44 Insurance Now Requires Full Payment

Florida FR44 insurance now requires full payment – Low cost polices still available to smart buyers!

As of May 4th 2012, Florida car insurance policies with Florida FR44 filing may not be cancelled by the insured or company after 30 days. The initial 30 day period is to allow the insurance company to complete its underwriting. After the company determines the risk eligible, according to its rules and guidelines, the non cancellable provision becomes effective. At this time, the company will notify the DMV and the DUI driver can reinstate their license.

From now on, most companies will only offer a paid in full bill plan for such policies. It’s very important to shop around because some companies will still offer a payment plan, although they might be soon to follow. Also, with any of the companies requiring the policy to be paid in full, the coverage on the  policy cannot be changed during the policy period and the premium is non refundable. Any changes to the risk will require a new policy to be purchased and paid in full. If the new policy is from the same company,
then they may apply a credit from the old policy to the new one.

This action will ensure that a DUI driver will have continuous Florida FR44 insurance with 100/300/50 liability in effect, for at least 6 months, after they reinstate their license. Having the proper insurance is good for everyone concerned, however, having to pay for it all at once will be unaffordable for some, leaving them without. Their license will remain suspended and any driving they may do invites additional harsh consequences.

Florida FR44, Cheap Florida FR44 Insurance

Click the Image for Cheap Florida FR44 Insurance. Cheapest Rates, Fastest Filing!

With some companies, even drivers who have had a Florida DUI insurance policy continuously in force without any lapse and paid monthly, must pay their renewal in full. The new mandate is very unfair to all these policyholders and many of them will simply be unable to pay. This will cause their license to be suspended and subject to additional reinstatement fees when they are finally able to afford a paid in full policy.

With low loss ratios and cancellations, Florida FR44 insurance policies are profitable for companies and many are competing for this business with sensible rates. The new rule will make the policies even more attractive for insurance companies which will have a price reducing effect for consumers. In the meantime however, it simply means the policyholder will have to “come up with the cash” for a paid in full policy with some companies to keep their license active. Some drivers who are unable to pay will inevitably drive without car insurance, making the mandate counterproductive in this circumstance.

Most people agree that driving while intoxicated is dangerous and should be dealt with aggressively to reduce the number of incidences. I do not believe this aggressive action will have much of an effect at reducing the number of DUI drivers, and may increase the number that drive without insurance. Punishing policyholders who have been compliant by maintaining their insurance and Florida FR44 filing in good standing, and forcing them to pay for their renewal premium in full, seems unjust to me.  I believe “Anyone can easily make this mistake and most learn their lesson the first time.” Targeting repeat offenders and those that do not maintain their required insurance would be a better approach.

Article Information Source (in part): floridafr44.com
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