Tag Archives: Florida SR22 Quote

Florida Non-Owner SR22 Insurance Policies

What if I need an SR22, but don’t own a vehicle in the State of Florida?

Simply put, you’ll need a Non-Owner Florida SR22 Auto Insurance Policy.

The Department of Motor Vehicles (DMV) wants to know you have the abilty to cover any future automobile accidents in the State of Florida with an active insurance policy. This is accomplished via a form called an SR22. Basically the insurance company reports the existence of your insurance policy to the DMV on a monthly basis. While confusing to some, it’s really that simple. Even if you don’t own a vehicle in the State of Florida, you’re now covered by State Minimum Requirements while driving any automobile. A Non-Owner’s SR22 can be paid in full for 6 months or, in most cases, you have the option to make monthly payments.

If you do own a vehicle, and you need that vehicle to be listed on your SR22 policy, you’ll want an Owner’s SR22 policy instead. This is the same concept as a Non Owner’s SR22, but your vehicle will be clearly listed on the policy itself. Obviously an SR22 Owner’s Policy will be more expensive than an SR22 Non-Owner’s policy.

Florida Non Owner SR22 Insurance Policy

To obtain a Non-Owner SR22 policy in the State of Florida, simply contact a reputable insurance agency. Not all Automobile Insurance Companies offer SR22’s and the pricing differs dramatically. An Insurance Broker can search the market and identify the best coverage for the price.

From a liability standpoint, your Non-Owner Florida SR22 will be applied in a secondary fashion to the Primary Insurance on the vehicle. Therefore, if you’re driving someone else’s car, and you have an accident, it will be their insurance that bears the bulk of the responsibility. Only after their limits have been exhausted will your SR22 policy be applied.

If you carry a Florida Non-Owner SR22 Insurance policy, and you do purchase an automobile, you’ll need to contact your insurance company so your policy can be converted to an Owner’s Policy. If you don’t do this, and you have an accident, your coverage on the Non-Owner SR22 Policy may be denied.

Determining the Status of Your Florida Driver’s License

Determine the Status of Your Florida Driver’s License

The Department of Highway Safety and Motor Vehicles (DHSMV) and the courts have the ability to suspend or revoke your driver’s license on a variety of grounds.

Sometimes, your driver’s license can be suspended without your knowing it. It’s easy to check the status of your license when you look at your driving record.

Check Your Driving Record

Your driving record report will advise you if your driver’s license is currently valid or whether it’s suspended or revoked. The record will also show points against your license and, in some cases, any accidents you have had.

You can order your driving record in one of three ways: online, in person, or through the mail.

  • Order Driving Record In Person
    1. Complete and notarize a Request for Personal Information if you want your personal information shown on the record.
    2. Be ready to pay the $2.10 or $3.10 fee, depending on whether you want a certified copy and how far back you want to go.
    3. Visit your County Clerk’s office. You may want to call in advance to see which forms of payment are accepted.
  • Order Driving Record By Mail
    1. Write a letter asking for your record or the record of the individual you’re researching. Remember to include your full name, your date of birth, social security number, and Florida driver’s license.
    2. Fill out and notarize the Request for Personal Information if you are ordering your own record and want your personal information visible on it.
    3. Include a check or money order to cover the fee. It’s $2.10 for a one year history, or $3.10 to go back completely or for a certified copy.
    4. If you can wait two weeks for the receipt, mail the application and fee to:
      • Bureau of Records
      • P.O. Box 5775
      • Tallahassee, FL 32314-5775
    5. To request that your record is sent by next-day delivery, send to:
      • Bureau of Records
      • 2900 Apalachee Parkway, MS 90
      • Tallahassee, FL 32399-0575

Suspended in All States?

If you move and have a suspended license in your old state, you won’t be able to get a new driver’s license in your new state, either. This is because of the National Driver Register (NDR) and the Driver License Compact, both of which tell other states if you’re suspended anywhere in the U.S.

Penalties for Driving on a Suspended License

If you drive on a suspended license, your penalties depend on the circumstances. You could be charged with a misdemeanor or a felony. The DHSMV provides a special bulletin you can download that highlights the penalties for driving on a suspended license.

Contact an Attorney

If you’re being charged with a felony for driving on a suspended license, you may want to get advice from an attorney. An experienced attorney may help lower your costs and penalties.

Obtain a Restricted License

Some people may have the option of getting a hardship license so they can drive to and from work. Whether you qualify depends on factors like your offense and how many points you have.

To find out if you qualify, you need to contact your local Administrative Reviews office. To find your office, look under your county’s listing for a heading that reads “Under Suspension – Need Driver License for Work,” and a phone number to call.

If you need more assistance with obtaining a hardship license, seek legal advice.

Reinstate Your License

When you’re allowed to reinstate your license―and the requirements you must fulfill to do so―depends on the reason for your license suspension.

Some of these scenarios may cause your insurance to jump; you may be able to get a lower rate if you shop around.

The process differs slightly from scenario to scenario, and you may want to consult an attorney before you get started. Here are a few examples:

Reinstate for Child Support Delinquency

  1. To get your license back, you must become current on your support and get affidavit Form # DHSMV 73986 from the clerk of the court, child support agency, or depository.
  2. Bring this and a $60 fee in to your County Clerk’s office.
  3. If you received the affidavit before your license got suspended, the fee will be waived. Just show them the date on the affidavit to prove it.

Habitual Traffic Offender

  1. Your license is suspended for five years. After one year, you can ask for a hardship license from the Administrative Reviews office.
  2. You must attend driver improvement. If you got a DUI, you’ll need to go to DUI school.
  3. After five years, you’ll have to request a new license from the Administrative Reviews office (the same place that gave you your hardship license).

Violation Resulting in Death or Personal Injury (Not a DUI)

  1. Your license will be suspended for a year.
  2. You’ll have to take Advanced Driver Training and an exam.
  3. You’ll have to pay $35 to reinstate your license, plus license fees.

Failure to Comply with Traffic Summons or Pay a Fine

  1. You’ll have to pay your fines at a traffic court or online, if your county allows.
  2. Bring your payment proof to a DMV office and pay a $60 fee.

Keep Your Record Clean

There are many ways to get your license suspended. The state has an interactive quiz that tests your knowledge of how your license may be suspended. Try it out.

In the meantime, avoid:

Giving False Information on a License Application

If you give wrong information on your driver’s license application, your license will be suspended. You may request a hearing, but if you’re found to have committed fraud, you’ll have to pay fines and wait for a period before obtaining a new license.

Getting Too Many Points

Getting citations resulting in too many point violations on your record.

  • 12 points in 12 months: 30 day suspension.
  • 18 points in 18 months: Three month suspension.
  • 24 points in 36 months: 12 month suspension.

Refusing to Comply with State Laws

Your license is used as a compliance tool in law enforcement. If you don’t stop for a school bus, are using tobacco if you’re under age 18, or don’t pay your child support, you can have your license suspended.

Refusing a Blood Alcohol Test

Under state law, you must take a blood alcohol test when you’re suspected of driving under the influence. Your license could be suspended even if you’re innocent, if you fail to comply.

Lacking Florida Insurance

You must have current and adequate Florida insurance with $10,000 minimum personal injury protection and $10,000 minimum property coverage to drive. If you don’t, you face a suspended license.

Remember, you must get your insurance from a company licensed in the state.

Ignoring Your Traffic Tickets

If you’ve gotten traffic tickets that you don’t pay, or if you don’t appear in court when you’re supposed to, your driver’s license can get suspended. Your signing the ticket when you receive it means that you’re acknowledging you will take care of the ticket.

Getting a DUI

A DUI results in an automatic suspension. How long the suspension lasts depends on how many times it’s happened. Suspension times vary from 180 days to permanent revocation.


Florida SR22 Requirements And More…

Florida SR22 – When Do You Need It?

The Florida SR22 (the “SR” stands for “safety responsibility”) is a document that verifies that someone has automobile insurance. The SR22 is prepared by an insurance company and then filed (by the insurance company) with the department of motor vehicles (DMV).  The Florida SR22 is not an insurance policy. It is evidence that you have a policy.

Typically, a Florida SR22 is required when a driver seeks to reinstate a driver’s license after being convicted of a DUI, reckless driving, driving without insurance, or some other driving violation that’s resulted in a suspension. The Florida SR22 may be required whether you own a vehicle (owner SR22) or not (non-owner SR22). The Florida SR22 is usually required for a number of years – for example, five years following a DUI conviction. If the policy holder fails to pay the premiums, the SR22 is cancelled and an SR-26 is filed with the DMV. When the DMV receives the SR-26, the policy holder’s license is suspended until a new Florida SR22 is filed.

Florida requires both personal injury protection and property damage liability insurance for all drivers. The Department of Highway Safety may suspend a license, vehicle tags and registration for a driver who fails to maintain this coverage.

Florida has no-fault insurance law

A no-fault system is intended to prevent insurance fraud because your insurance company compensates you and your passengers for injuries regardless of who is proved at fault. This limits litigation because there is no need to battle over who is at fault. It also speeds up the payment process. The driver who is at fault in the accident is typically charged a higher at-risk insurance premium. In extraordinary situations, a driver in a no-fault state may seek relief in the courts for certain pain-and-suffering damages (versus medical and wage loss damages). In Florida, an injured driver can sue for pain and suffering damages if these injuries fall into a certain category – for example, death, disability, or disfigurement.

Insurance coverage requirements in Florida

The standards below indicate the minimum coverage required under law in Florida. Naturally, higher coverage can be acquired for policyholders concerned about liability.

$10,000 This is the maximum amount per person paid for bodily injury (“BI”) injuries.
$20,000 This the total amount paid by the policy for all bodily injury to all persons. Therefore if several people are injured, those who file first would receive payment as defined above, and once the total payment was reached, the remaining parties must pursue the policyholder for any sums over these amounts.
$10,000 This is the total amount paid for property damage (“PD”).

Florida SR22 Insurance, Cheap Florida SR22 Insurance

What if you’re involved in an accident in a state other than Florida?

The good news is that most policies will increase to match the minimum requirements of the state in which the accident occurred. The 12 states with no-fault insurance systems require that your insurer pay for your damages (as if you had a no-fault policy).

How are premiums determined?

An insurance company takes many factors into consideration when determining your insurance rates (premiums).  Some factors may seem unfair. For example, drivers with higher education or who are married will generally receive better rates than a driver with a similar driving record. Below are the major factors affecting rates

  • Driving record and accidents. Moving violations, DUIs, and accident claims trigger higher rates.
  • Credit score. Bad credit scores trigger higher rates.
  • Miles driven.  Drive less, pay less.
  • Occupation. Jobs involving driving or heavy commutes may trigger higher rates.
  • Location. Higher crime rates in your neighborhood or a density of population (cities) will cause rates to rise.
  • Age. Drivers under 25 pay more; drivers between 50 and 65 pay less.
  • Gender and marital status. Women have fewer accidents and pay less than men. A married person is considered more stable and will receive a lower rate than a driver with a similar record.
  • Type of car. The more powerful or expensive, the higher premium because high performance cars attract riskier drivers and expensive cars are more costly to repair.

Florida DUI Conviction Information

The Repercussions of a DUI in the State of Florida

If you need another reason to avoid a DUI conviction, consider the fact that a Florida driver’s license suspension for a Driving Under the Influence (“DUI”) conviction will cause your auto insurance rates to increase dramatically for the next five years.

A DUI conviction might also make it more expensive to obtain other forms of insurance, including life insurance, medical and disability insurance. Contact a Tampa DUI Attorney to find out more about the effect a DUI conviction will have on your car insurance rates including the requirement for FR 44 insurance. Find the lowest price on Florida FR44 Insurance here.

Increased Insurance Premiums with FR-44 Insurance

Your Florida auto insurance premiums could increase by 200% to 300% from the amount you paid prior to your DUI arrest. Even worse, your insurance company may cancel or fail to renew your automobile insurance coverage in Florida. If you shop for new automobile insurance after being canceled from your old insurance company, the fact that your auto insurance is canceled will cause an additional increase in insurance premiums.

For many the increase in insurance premiums is so dramatic that maintaining automobile insurance becomes difficult or impossible. Any lapse in insurance will result in an automatic suspension of your driver’s license under Florida law.

Higher Policy Limits

On February 2, 2008, the Florida Department of Highway Safety and Motor Vehicles (“DHSMV”) introduced the new financial responsibility certification required under Section 316.193, Florida Statutes. The certification is a form called a Florida FR-44 Form and is similar to the SR-22, which was required prior to February 2, 2008. One of the differences between the new FR-44 form and the old SR-22 form is that higher liability limits are now required.

After a DUI conviction in Florida, your license will be suspended by order of the court. In order to reinstate your Florida driver’s license, you will be required to obtain a FR-44 Form which must be maintained for three years. You obtain the FR-44 form from your auto insurance company. As soon as you ask for the FR-44, your auto insurance company will know that your driver’s license has been suspended for a Florida DUI conviction, and your status will be changed to “high risk” causing the increased premiums.

FR44 Insurance in the State of Florida

The Florida 44 Form is a certificate of continuing financial responsibility showing the limits of your automobile liability insurance that must be kept on file with the Florida DHSMV for three years from the ending date of any revocation. The Florida 44 form also requires the insurance company to notify the DHSMV if your insurance policy is canceled, terminated, or lapses for any reason.

You must increase your auto insurance policy to comply with Florida FR44 liability limits, which are 100/300/50. The 100/300/50 limits means that you must have bodily injury liability insurance in the amount of $100,000 per person, $300,000 per occurrence and $50,000 property damage liability coverage. To reinstate your Florida driver’s license, you must usually pay a reinstatement fee of $150 (for a first suspension), $250 (for a second suspension), or $500 (for a third suspension). For quotes on Florida FR44 insurance policies, click here.

Find Out More About Avoiding the Hidden Costs of a DUI Conviction

If you have been arrested for driving under the influence (“DUI”) in Hillsborough County, Pinellas County, Polk County or Pasco County, contact an experienced Tampa DUI Attorney to discuss the true costs of a Florida DUI conviction.

The Sammis Law Firm Lawyers handle driving under the influense (“DUI”) cases throughout the Tampa Bay Area, including the cites of Tampa, Pinellas, St. Petersburg, Plant City, New Port Richey, Dade City, and Bartow, Florida. Contact the Sammis Law Firm for a free consultation to discuss your Florida DUI arrest and pending DUI charges in Hillsborough County, Pasco County, Pinellas County, Polk County or the surrounding areas.


Top SR22 Owner and SR22 Non-Owner Questions and Answers

What is an SR22?

Many motorists mistakenly believe the SR-22 is an actual type of car insurance, but that’s not the case. The SR-22 is simply a form that your car insurance company files on your behalf with the state.

The form, usually filed electronically, provides the state with proof of financial responsibility by showing that you have the required insurance coverages in effect.  The state-mandated coverages may be the same as your state’s minimum liability requirements or different coverages with higher limits.   The exact auto insurance requirements differ from state to state.

You can get your SR-22 only from a car insurance company because the purpose of the form is to show that you have obtained, and will maintain, certain insurance coverage.  There is no other way to get the SR-22; you cannot get an SR-22 without buying a car insurance policy.

Why do I have to carry an SR22?

All states except Delaware, Kentucky, Minnesota, New Mexico, New York, North Carolina, Oklahoma and Pennsylvania may require a driver to obtain a SR-22.

Some of the reasons your state may require an SR-22 certificate of financial responsibility include, but aren’t limited to, the following:

  • Failure to carry liability insurance on your vehicle
  • Conviction for driving without insurance
  • Driving uninsured and being involved in a motor vehicle accident
  • DUI, DWI or other major alcohol offense convictions
  • Serious moving violation (such as reckless driving) convictions
  • Accumulating too many DMV points
  • Being termed a habitual traffic offender
  • Needing to apply for a hardship or probationary permit (while license is suspended)
  • Reinstating your license after a suspension or revocation

To find out under what circumstances your specific state requires the SR-22, contact your department of motor vehicles.

How long do I need to carry an SR22?

In most states, you must carry the SR-22 for three years, but the period varies from one to five years. In some places the period varies by offense.

The start date for counting how long you must carry the SR-22 also varies by state.  Your state’s department of motor vehicles will tell you how long you need to carry the SR-22 and from what date.  The clock may start with the offense date, conviction date, suspension date or date of your driver’s license reinstatement.

Don’t cancel an SR-22 before your filing period is up or your state will find out and penalize you.  If car insurance associated with an SR-22 is removed or canceled, the insurer must file an SR-26 that informs the state of the cancellation.  The state can then take actions against you that typically include the loss of your driver’s license and/or vehicle registration.

What’s the difference between an SR22 and an FR44?

The FR-44 also provides proof of financial responsibility, but mandates that you carry higher liability limits.  The FR-44 is used only in Florida and Virginia currently and is required instead of the SR-22 when you have been convicted of certain alcohol-related offenses.   The FR-44 must be held for three years in these states, the same period such states require the SR-22 to be carried.

In Florida, FR-44 has bodily injury liability limits of $100,000 per person, $300,000 per accident and property damage liability limits of $50,000.  This is written as 100/300/50. The Florida SR-22 has liability limits of only 10/20/10.

In Virginia, the FR-44 liability insurance limits are 50/100/40, which are double the limits required for a SR-22 filing (currently 25/50/20).

SR22 Owner and SR22 Non-Owner Insurance Policy Questions, SR22 Questions and Answers

What if I don’t own a car? Is there a Non-Owner’s SR22 policy?

If you don’t own a car, you can still be required to carry an SR-22, and in that case you will need to get a non-owner’s policy to fulfill your SR-22 filing requirement.

With a normal SR-22 policy, you own and insure a vehicle, but with a non-owner’s policy you don’t own a vehicle to insure directly or have access to a car that you can insure.

If you have a vehicle registered to you, one in your household, or someone provides a vehicle for your regular and frequent use, you should NOT purchase a non-owner policy for coverage. If none of these situations applies, you can get a non-owner’s policy that complies with your SR-22 filing requirement.

How much does an SR22 Cost?

A car insurance company filing the SR-22 form on your behalf may charge you a one-time filing fee of between $15 and $50 (typically, it’s $25). However, the cost of the auto insurance policy associated with the SR-22 varies.

The car insurance policy associated with a SR-22 doesn’t have a set premium. It’s calculated according to standard rating factors, such as your driving record, your geographical location, and the type of vehicle you drive, to name a few. If your driving record shows that you are a risky driver, due to a major offense like a DUI, your rates will be higher, whether or not an SR-22 is required.

The only way to determine how much your SR-22 car insurance policy will actually cost is to get a personalized car insurance quote. It pays to shop around; one insurance company may look at a DUI very differently than another, for example. An Insurance Broker can shop multiple companies for you to find the best coverage at the best price.