Who Needs SR-22 Insurance in Florida? Common Violations Explained

If your driving privileges have been suspended in Florida, you may need to file an SR-22 before getting back on the road. The SR-22 is a certificate your insurer files with the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) to verify that you carry the required liability coverage.

Who Needs an SR-22 in Florida?

Florida drivers are typically required to file an SR-22 after a serious traffic or insurance-related violation. Below are some of the most common reasons you might need an SR-22:

• Driving without insurance—If you were caught operating a vehicle without the required auto insurance, the state may suspend your license until you file an SR-22 to show that you now have proper coverage.
• DUI or DWI conviction—A conviction for driving under the influence of alcohol or drugs usually requires an SR-22 filing to verify that you have the necessary liability coverage once you are eligible to drive again.
• License suspension or revocation—Drivers who have had their license suspended or revoked for serious offenses may need an SR-22 as part of the reinstatement process. It helps the state monitor your insurance status after your license is restored.
• Multiple traffic violations—Accumulating several traffic offenses within a short time can label you as a high-risk driver. In such cases, the state may require an SR-22 to confirm that you are financially responsible while on the road.
• At-fault accident while uninsured—If you caused an accident and did not have insurance at the time, you may need to file an SR-22 before your license can be reinstated.

We’re Here to Help

Baker Insurance Group Inc. can handle SR-22 filings quickly and accurately. Contact our team today to learn more.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.