Need SR-22 Insurance in Florida? We’ve Got You Covered!
At L&M Insurance Agency in Riverview, Florida, we specialize in helping high-risk drivers secure the necessary SR-22 auto insurance coverage. We specialize in SR-22 policies for both owners and non-owners. Whether you’ve had a license suspension, accumulated traffic violations, or need to prove financial responsibility, we can guide you through the filing process. As an independent insurance broker, we offer access to multiple insurers, ensuring you receive the best possible rates in Hillsborough County. Working with L & M Insurance means you will receive quick service, and coverage tailored to your unique needs.
Why you might need an SR-22
There are many reasons Florida may require you to file an SR-22. The most common reasons include:
- Driving without a license
- Too many points on your driving record
- Causing an accident when you are uninsured/underinsured
- Driving with a suspended license
- Child support
- Judgment
- Driving without insurance
- Drunk driving violations
A Florida SR-22 can be a non-owner or an owner SR-22, and is a certificate filed with the DMV by your insurance company which states you comply with the Florida financial responsibility law, and allows you to get your license reinstated after a suspension. It is required to be kept in force for a specific period of time, usually three to five years.
Why Choose L & M Insurance Agency for Your SR-22 Coverage?
- Independent Broker Advantage: As an independent insurance broker, we work with a variety of top-rated insurers in Florida. This allows us to find you the best insurance rates and coverage options, saving you time and money.
- Expert Guidance: Our team of experts will walk you through the process, ensuring that you understand your options and get the coverage you need to meet state requirements.
- Affordable Rates: We know that getting insurance can sometimes be costly for high-risk drivers. Our access to a variety of providers allows us to find you affordable coverage, so you don’t have to break the bank.
- Fast, Hassle-Free Filing: Getting everything filed with the state can be stressful, but we make it easy! We handle the paperwork quickly and ensure your filing is processed without delay, so you can get back on the road fast.
- Personalized Service: We’re here to help. Our team is available to answer all your questions and provide solutions tailored to your specific situation. Whether you need SR-22 insurance for personal or business purposes, we’ve got you covered.
In addition to providing low cost insurance rates, and superior attention to your specific needs, we have the resources and expertise to handle your unique situation.
Frequently Asked Questions (FAQ)
What is an SR-22?
An SR-22 is a certificate of financial responsibility that proves you have the minimum auto insurance coverage required by the state. It is typically required for drivers who have had their license suspended due to violations like DUI, reckless driving, or multiple traffic offenses.
Who needs SR-22 insurance in Florida?
If your license has been suspended or revoked in Florida due to certain violations, you may be required to file an SR-22 with the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) to reinstate your driving privileges.
How long do I need SR-22 insurance?
In Florida, SR-22 insurance is typically required for 3 years, though the exact length may vary depending on the nature of your violations. Once your SR-22 period is over and you’ve maintained continuous coverage, you can request to remove the SR-22 filing.
Can I get affordable SR-22 insurance?
Yes! As an independent broker, we have access to multiple insurers, which means we can shop around for the most competitive rates for your SR-22 insurance policy. We work hard to find affordable coverage for high-risk drivers.
How do I get an SR-22 in Florida?
Once you’ve selected your auto insurance policy, we’ll file the SR-22 form directly with the state on your behalf. After it’s filed, the state will notify you of the reinstatement of your driving privileges.
Can I drive while my SR-22 is in effect?
Yes, once your SR-22 insurance is in place and you’ve received confirmation from the state, you can legally drive. Be sure to maintain your coverage throughout the required period to avoid any complications.
What is non-owner SR-22 insurance?
Non-owner SR-22 insurance is ideal for those who frequently drive rental cars, borrow vehicles from friends or family, or use rideshare services but don’t own a car themselves. If a court orders you to file an SR-22 form and you don’t own a vehicle, you’ll need an SR-22 form for your non-owner car insurance policy.
Can you get SR-22 insurance without a vehicle?
If you’re required to file an SR-22 but don’t own a vehicle, you can obtain a non-owner car insurance policy. This type of insurance provides liability coverage that satisfies your state’s SR-22 requirements.
Get Your Insurance Needs Taken Care of Today
At L&M Insurance Agency, we make securing SR22 insurance simple and hassle-free. Our team is dedicated to providing you with the best rates, fast filings, and expert service to get you back on the road safely and legally. Our staff has been serving Riverview, Brandon, Tampa, Ruskin, Lakeland, and surrounding areas for 20 years, and we’d love to serve you!
Contact us now for a free quote or to discuss your insurance needs. We’re here to help!
- Call: 813-672-4100
- Email: email-manager@landminsurancegroup.com
- Request a Quote: Easy online application
