Florida

Understanding SR-22 Insurance in Florida: A Comprehensive Guide

In Florida, if you’re considered a high-risk driver, you may need to file an SR-22 or FR-44. Let’s break down what these forms are and when you might need them:

1. What Is SR-22 Insurance?

An SR-22 is a form that your car insurance company files with the state to prove that you have purchased liability car insurance coverage that meets Florida’s minimum requirements.
It’s not insurance itself; rather, it’s a certificate of financial responsibility.

2. When Do You Need SR-22 Insurance in Florida?

You may be required to have SR-22 insurance in Florida for reasons such as:

Causing a car accident while driving without insurance.
Causing multiple car accidents.
Driving under the influence of drugs or alcohol.
Failing to pay court-ordered child support.
Having a hardship license due to a license suspension or revocation.
Reinstating your license after suspension or revocation.
Serious traffic offenses (e.g., reckless driving or repeat violations).

3. SR-22 Requirements in Florida

To meet SR-22 requirements in Florida, your liability car insurance must have at least the following coverage:

$10,000 in bodily injury/death coverage for one person per accident.
$20,000 in bodily injury/death coverage for two or more people per accident.
$10,000 in property damage coverage per incident.

4. FR-44 Insurance in Florida

An FR-44 is similar to an SR-22 but has stricter liability car insurance requirements.
It is only used in Florida and Virginia.
An FR-44 is required if you are convicted of driving under the influence of drugs or other intoxicants.

5. FR-44 Requirements in Florida

To meet FR-44 requirements in Florida, your liability car insurance must have at least the following coverage:

$100,000 in bodily injury/death coverage for one person per accident.
$300,000 in bodily injury/death coverage for two or more people per accident.
$50,000 in property damage coverage per incident.

Remember, responsible driving and compliance with state regulations are essential for a smooth journey on Florida’s roads.

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