There are several grounds for requiring a Florida SR22 Insurance Certificate, they include:
- if you have mandatory insurance suspensions,
- received a judgement involving a crash, point suspension,
- habitual traffic revocations,
- at fault in an accident without the state required insurance minimums,
- have earned excessive tickets or violation points on your driving record as well as missed child support payments.
An SR22 necessitates “high risk” drivers to carry minimum liability amounts of 10/20/10 bodily injury and property damage. This means $10,000 in bodily injury protection per person and $20,000 total as well as $10,000 for property damage.
Bodily injury coverage is in place if you hurt someone in a crash. An SR22 requires you to have $10,000 per person and $20,000 per accident.
Property damage coverage is protection in case you damage another vehicle in an accident. You must carry $10,000. Higher limits are available if you need more.
An SR22 is compulsory for 3 years unless otherwise determined by the state. The Florida Department of Motor Vehicles can provide you with the exact date your condition ends.
If your car insurance coverage should lapse or be canceled anytime during the mandated SR22 filing period, your insurance company is obligated to alert the state and you will lose your driving privileges. As long as your insurance policy is valid, the certificate remains valid.