SR-22 in Fort Myers, FL
If you’ve been told you need an SR-22, you may have questions about what this means for your driving privileges and auto insurance. At Baker Insurance Group Inc., we understand how stressful this situation can be, and our team is here to guide you through every step of the SR-22 filing process.
What Is an SR-22 in Automobile Ownership?
It’s a common misconception that an SR-22 is an insurance policy, but it’s actually a certificate your insurance company files with the state to prove you carry the minimum required auto liability coverage.
Your state may require an SR-22 filing if you’ve had certain driving violations, such as a DUI/DWI, driving without insurance or a license suspension. This form serves as proof to the Florida Department of Highway Safety and Motor Vehicles that you have the minimum required amount of liability and personal injury protection coverage.
Who Needs SR-22?
You may be required to file an SR-22 if you fall into one of these categories:
- Convicted of DUI or DWI
- Caught driving without valid insurance
- Involved in an accident without insurance
- Had your license suspended or revoked for serious violations
- Accumulated excessive points on your driving record
The state will notify you if you need to file an SR-22, and you must maintain this filing for a specific period (often three years) without any lapses in coverage.
Some more serious convictions may trigger an FR-44 filing requirement, similar to an SR-22 mandate but with higher liability requirements.
How We Help Drivers with SR-22 Coverage
Our team at Baker Insurance Group Inc. specializes in helping high-risk drivers secure the coverage they need to get back on the road. We work with multiple insurance carriers to find SR-22 insurance options that meet your state’s requirements. Here’s how we support our clients:
- Explaining the SR-22 process and answering your questions
- Filing the SR-22 form promptly with the state on your behalf
- Helping you maintain continuous coverage to avoid further penalties
- Reviewing your policy regularly to ensure you remain compliant
Ready to get started or have questions about SR-22? Contact our team today.