SR22 form is the name given to a document which is used to provide verification of required auto insurance to the Florida Department of Motor Vehicles (DMV). Different conditions from the SR22 may be required by Court, depending on your circumstances. The main differences being compliance period, Bodily Injury Liability coverage and the payment terms.
If you were driving without insurance in Florida and caused only property damage, you will be required a Property Damage Liability (PDL) and Personal Injury Protection (PIP) policy.
The SR22 requirements will be satisfied with a 6 month non-cancelable policy which also has a compliance period of 2 years.
If someone was hurt in an accident you caused while driving uninsured, Bodily Injury Liability (BIL) will be required. The coverage limits will be $20,000 per accident and $10,000 per person. The compliance period will be 3 years and it is acceptable for the policy to be cancelled.
Your insurance company will file SR22 form to Florida’s Bureau of Financial Responsibility. Such fillings were once done manually but now the process is automated and the SR22 filing is done electronically. After your policy begins, your insurance company has fifteen days to submit it. Once the filing is completed, theFlorida DMV will reinstate your driver license.
There was a change in the low regarding DUI drivers and since October 2007 they require a Fr44 form to be filed. If you have existing SR22 requirement, it will be superseded by the new FR44 form. It is also worth mentioning that you can not be issued multiple SR22 or FR44 forms.
Bare in mind that SR22 filing will only be accepted on a Florida car insurance policy. An additional fee of $15 will be added to your policy as well.
Your insurance company is required to file a SR26 form if you cancel your policy. If this happens during the compliance period of your SR22, you may lose your driving license. Make sure your auto insurance do not lapse.
If you do not own a vehicle but need to drive one and you are required to have a SR22, you will need to get a non owner SR22 insurance.