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The Florida SR22 Insurance Requirements, Why Do We Need Them.

By Mark Johnson

First off, SR22 is not insurance coverage. What it is, is a form that must be filled out stating that you do not have a certain type of coverage. In fact most insurance companies have their patrons fill out an SR22 every time they refuse something like bodily injury coverage. Florida SR22 insurance requirements can be confusing at times. There are some minor and major things that would make you need that form filled out.

As all ready mentioned when you refuse bodily injury coverage an SR22 needs to be filled out. The SR22 form is merely to prove that you do in fact have coverage. It is similar to a guarantee that someone will pay if there is an accident. Ordinarily this form is not required by law. There are however some circumstances that do require the form as a just in case measure. These circumstances are usually when you have done something drastically wrong.

Certain crimes can often be associated with SR22 insurance. It can be expensive to be convicted of some of these crimes. One of the most common is driving while intoxicated with drugs or alcohol. This is a very bad thing to do to begin with and it can make it next to impossible to get insurance after the fact.

You will have to ask an agent if they can give you the SR22 form. Most often you will have to pay a lot for it and for the company to cover you. You might want to shop around for this type of coverage as costs might vary.

Some vehicular crimes also require you to have an SR22. These offenses are things like reckless driving. If you break the law you will have to call them and have them arrested. If you are found at fault then you might be required to have one.

One reason to carry this form on your insurance is if you are cited or convicted for repeatedly failing to insure your vehicle. If you have a serious history of these offenses then Florida can require you to fill out this form. You will not be driving legally without it at this point. Again you will have to pay a large amount for it and insurance companies know that you are required to have it.

In the state of Florida SR22 guarantees that you will have vehicle coverage. If the state of Florida believes you are a risky driver then they can make you carry it. You have to pay for it in order to drive when it reaches this point. Do not forget that it is extremely illegal to drive without it if Florida is involved.

One of the things that you should remember about SR22 is that it is not a type of insurance. It is a simple form. You need to consider this when you are shopping around simply because how much are you willing to pay for a form. Also be sure to read up on Florida SR22 insurance requirements.

Did you find this information useful? If you are looking for the most affordable SR22 insurance, you can find it today! Getting for SR22 will be fast and easy when you begin your search in a centralized location now!

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Article Citation
MLA Style Citation:
Johnson, Mark "The Florida SR22 Insurance Requirements, Why Do We Need Them.." The Florida SR22 Insurance Requirements, Why Do We Need Them.. 1 Jul. 2010. 28 Nov 2015 <>.

APA Style Citation:
Johnson, M (2010, July 1). The Florida SR22 Insurance Requirements, Why Do We Need Them.. Retrieved November 28, 2015, from

Chicago Style Citation:
Johnson, Mark "The Florida SR22 Insurance Requirements, Why Do We Need Them."

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