Talk to an agent: (904) 628-2657
Press play below to listen to our audio commercial:

In What Ways Can Your Florida DWI Laws Could Affect Your Policy Cost

In addition to the serious danger of causing your own or the death of others, a drunk- driving conviction has a harsh penalty from Florida car insurance companies in particular. The Insurance Information Institute reports that there is a traffic fatality that is related to the consumption of alcohol every forty-eight minutes in the USA.

Car insurance companies might run a check on your driving record one time in three years or whenever you are making application for a new policy. Sometimes DUIs, tickets and accidents do not find themselves on your motor vehicle record. But if you are discovered by your insurer to be convicted of DUI and that you are classified as a high risk driver, the most ideal strategy would be to shop around at the time when the policy should be renewed because rates will vary significantly among car insurers. The high increase in rates is only one part of the problem. It is possible for your policy to be cancelled or the insurer unwilling to renew it. At this point, you will have to look for another company who will offer Florida car insurance and have the double effect of being convicted of DUI plus having a cancellation of insurance.

The law that relates to auto insurance coverage and DUI in Florida require that such offenders get a SR-22 form from the car insurer that they use. This makes it impossible for them to hide. What this form does is provide proof to the department of motor vehicles that you have liability insurance and release the suspension of your license.

It is likely that the DUI conviction will never be found out by the company you have insurance with if you were not required to get an SR-22. The Insurance Research Council has reported that up one of every five convictions relating to traffic violations do not get to records for motor vehicle because of the lack of information being shared between motor vehicle departments and courts. This could also be because of the conviction being erased by other means like the driving attending driving school. If the DUI charge was brought down during a plea bargain, or license suspended for a limited time (e.g.. 30 days), it is also not quite likely for the insurer to know about this conviction. However, if this conviction was missed by the insurance company at the time of occurrence, there is still the chance to raise the rates some amount of years later if it is discovered then.

The fact is that even if you have a DUI/DWI conviction being displayed on your motor vehicle records it is possible to find cheap car insurance in FL. You may begin your search here when you go to the top of the page and put in your zip in the space that is provided and this website will do a comparison check of the rates that are available from several car insurance companies so that you can make an informed decision.

In What Ways Can Your Florida DWI Laws Could Affect Your Policy Cost

Having a clear and more educated perspective of auto insurance in Florida is best so that you can approach it in the right effective manner. However, any individual driving under influence is guilty of his offense if he or she:

•             Has .08 BAC or more grams (BAC- blood alcohol content)

•             Is under the alcoholic beverage influence or also has some chemical substance in his blood is considered impaired.

Penalty Strategy

Drivers below the age 21 is suggested a suspension of 6-month license, if the BAC is more than .02. However, this penalty is crucial for commercial drivers, as they will be disqualified from holding a license if their BAC is more than .08.

The actual physical control is considered as the driver in the driving position in the seat is in possession of the ignition device or ignition key is considered.

Driving under influence is as first conviction is a presumptive statement of $1000 fine and 6 months prison. However, if the reports confirm that the BAC showed .15 or more during the arrest time, this could result in $2000 fine and 9 months jail.

Additional penalties

Apart from the fines and jail time, you need to offer 50 hours of mandatory community service. In case you fail to offer this service, $10 additional fine for each hour is required. In case of probation, the period will not exceed one year.

Any initial arrest entails jail fine for 8 hours with license suspension. However, you have 10 days time to file the required paperwork to challenge your suspension and request the Department of safety. Failure of requesting a hearing will end in automatic suspension.

Criminal Process

Criminal process always takes place within 24 hours of arrest firstly and you will know the charges. Later, you need to enter a plea taking the help of a defense attorney representation. In some cases, a waiver of presence is possible by an attorney such that they represent you.

If you register a plea as not guilty, your cast is recommended for a pretrial hearing.  However, this is normally done to bargain with the prosecutor and to inform the judge on the case progressed. In case, bargain has failed to accomplish, it is followed by hearings and your presence is necessary. This is the time you have to present evidence, testimony and argument.

The case goes on trial when resolution is not found and one can go on a trial by jury or waive it and proceed to have a judge decide in the best interest. The process of DUY or DWI is simple and straightforward. So having a clear understanding of the situation in association with a proper defense attorneys offer a better chance of facing the charges laid against you.

The penalties of the laws in Florida against DWI and DUI are severe. However, the penalties are in the form of fines to be paid in dollars, license cancellation, and jail sentence. This varies depending on the number of convictions.

You can get cheap auto insurance in Florida by just entering your zip code here.

DWI and DUI Laws in Florida That May Affect Your Premiums

The punishments of DUI offenses depend on the convictions numbers you have already faced and also your age is another matter of constraint. You can expect many things under DUI convictions. This also shows a huge impact in getting Florida car insurance.


•             In custody in the county jail

•             DUI school

•             Fine between $500 to $1000

•             Court costs

•             Awareness panels for victims

•             Revocation of drivers license

•             Interlocking of ignition

•             Car impoundment

These are the different punishments one has to undergo in case of DUI, so it is necessary to ensure you have a knowledgeable DUI Florida lawyer combating for your rights in the process as early as possible.

DUI Penalties

The penalty for DUI (driving under the influence) is harsh in Florida. Mostly, the penalties depend on a person being accused of DUI for the first time or is a multiple DUI offender.

The penalties received are based on the skills of your DUI Florida attorney handling your case. Of course, this also accounts of the evidence the prosecution holds on you to result as a criminal case. Yet, an attorney with superior knowledge, skill and experience about Florida DUI charges, has the best opportunity of lessening the sentencing, avoiding a conviction totally and reducing the charges.

A skilled Florida DUI attorney can devise an effective defense plan. In fact, a person not guilty can also become a victim of conviction if she or he has hired an incompetent defense lawyer who is incapable of proving innocence to the jury and judge.

Case Evaluation

The two aspects of drunk driving include DWI or DUI denoting Driving while intoxicated or Driving under the influence. Both lead to conviction such as a criminal charge and administrative license suspension.

The criminal aspect dictates fines, penalties, fees, probation, and sentencing. This is in the charge of criminal law and the administrative side is directed by civil or administrative law relating to driving record and drivers license.

Under administrative, the license is taken even prior to the conviction, as a driver does not cooperate for a sobriety test on the spot, prior to proceeding to the court. Drivers arrested for DWI should cooperate and permit blood alcohol tests to be taken immediately, refusal may lead to license suspension.

The administrative licensing addresses circumstances such as:

•             Did the officer ask the driver for a test?

•             Was the arrest reasonable and on fair grounds?

•             Did the driver fail or refuse the test?

•             Was the driver given an idea about the consequences of his test failure or refusal?

•             Is it necessary to revoke or suspend your license?

Penalties are stern for first time offenders and are greater for second and third time convictions.

Conviction 1: Up to 12 months jail, $600-2100 fine and 90 days license suspension.

Conviction 2: Jail for five days at least or some months, 30 days community service compulsory ,license revoked for 12 months and fine $1100- 5000.

Conviction 3: Jail for at least 60 days to one year. Fine is $2,100 – $10,100. License revoked for 36 months.

Conviction 4th or Subsequent: fine $4100-10,100, license revoked for 60 months and jail from 1 to 10 years.

Enter your area code on the top of this page and compare the different quotes of Florida car insurance.

Getting to Know the Strict DWI and DUI Laws In Florida One by One

DUI Offenses

The Florida State driver is charged for following offenses:

•             Driving under alcohol or drugs influence

•             Driving with .08 BAC(blood alcohol content) or greater

•             A lesser than 21 years driving with .02 BAC or greater

DUI Florida Penalties

The penalties and fines are in association with a DUI conviction. Remember, these are based on the circumstances of DUI case given and is always right to consult an attorney. A DUI attorney can get your fines and jail time reduced for their clients. These offenses will also show a serious impact in getting Florida car insurance.

First conviction – The jail time is up to 6 months, while the court fines range between $250-$500 and license suspension period is up to 6 months.

Second conviction – The jail time is within a period of 10 days to 9 months with a fine of $500-$1000 and up to 5-year license suspension.

Third conviction – The jail time is from 30 days to 1 year and fines for $1000-$2500 and the license suspension is within 10 years.

Fourth conviction – The jail time is up to 5 years and the fines $1800 – $2800 and permanent license suspension.

Theories of Prosecution

The prosecution of one case can take two theories. Firstly, if the officer arresting demonstrates at the time of arrest your ability of driving was impaired, you may be considered convicted of DUI.

This is based on the driving pattern on your arrest time and sobriety tests are based on your performance and appearance. However, BAC tests are also weighed, though it is not mandatory for such prosecution.

Alternatively, in case .08 percent or greater are indicated in your blood alcohol concentration, you are DUI convicted as per laws regardless of any other impairment signs.

Outcome of Court

The discretion of the court confirms first time offenders for fines between $250 and $500 and thereby hiking up to $500 to $1000 in case of being accompanied by a minor in the vehicle. Jail up to six or nine months also includes for having a minor in your car.

Additionally, there has been community service for 50 hours to be performed. Your vehicle is impounded for 10 days except for the evidence that there is no other transportation source for your family. This impoundment is not synchronized with your sentenced imprisonment. Penalties increase with having a high rate of BAC or minors in the vehicle.

Penalties are more severe with successive convictions.  Fines up to $1000 and jail for 9 months or less is the result of a 2nd conviction and fine up to $2500 and 1 year jail is for 3rd conviction.

Chemical Testing and Laws

Florida state law confirms to give consent to approved blood, urine or breathe test to any licensed person driving a motor vehicle. Refusal of chemical test results in one-year license suspension.

DMV Rule

The ten days DMV rule allows you to request a DMV hearing. In case you fail to do, your driving is suspended for a period of six to eighteen months.

DMV Effects

The DMV effects are facing revocation of license for 90 days to one year for DUI first conviction. The penalties are stricter for additional convictions. However, first offenders can opt for hardship reinstatement.

Compare different Florida car insurance prices by just entering your zip code on the top of the page.

Can I Get Car Insurance in Florida after Being Convicted Of DUI

Drivers that are inquiring about the possibility of getting auto insurance in Florida after being caught by the law drunk driving need to be aware of a few important things. The DUI is the first or original offense and this is determined by slurring of speech, driving behavior, the outcomes of a sobriety test at the side of the road, among others. Illegal per se is the second offense. This is operating a moving vehicle with a BAC – Blood Alcohol Concentration of 0.08 g/dL or more. Driving at or over this BAC has been illegal since 2002 and drivers caught doing it face serious penalties.

While it will be sometimes extremely challenging to get Florida auto insurance it is still a great possibility. Of course, you should anticipate paying more for insurance for your vehicle after being convicted for DUI/DW. All drivers’ premium is calculated according to particular risk factors. Following a DUI/DWI conviction, added to these general risks will be the possibility of you driving under the influence of alcohol again or be at fault in a very disastrous accident. You are now viewed by insurance companies as crucial or ultimate risk and this will be indicated by the premiums that you will be required to pay. There seem to be no way of escaping increased premiums.

However, if the insurance company that you are using retains your policy after your conviction for DUI/DWI and you realize that you are not able to afford the higher premiums, you can always look around for cheaper auto insurance. Several websites have been set up to facilitate buyers in comparing available rates that major companies are offering by simply and quickly filling out a form.

There is really no 100% guarantee that your cost will be lowered, but there are possible ways to lower the cost for auto insurance after DUI conviction. These methods include:

•             Doing everything that the court recommended and this includes getting involved in the suggested educational programs which were designed for any driver who has been convicted for DUI/DWI

•             Keeping up a clean driving record. Do everything in your power to never get another DUI/DWI.

•             Getting involved in a suggested education program for drivers

•             Maintaining an auto insurance that is considered to be in good standing. Any delay in making payments towards your coverage will result in decreased possibility of future rates being lowered.

•             Having a favorable credit. This can assist you in getting your car insurance rates lowered significantly.

Even though you may be convicted of a DUI/DWI and your reputation is blemished some Florida auto insurance companies, you have the opportunity to rebuild your record and get over this setback if you apply a bit of diligence and patience. Begin now by inserting your zip in the above box and we will compare the rates of some top car insurance companies that offer services for your particular case. Let us help you to find something that you are able to afford and greatly benefit from.

Florida Car Insurance Tips Suited for Different Age Groups

It is very important to have Florida car insurance for all ages residing in Florida or in any part of the world eligible to carry a vehicle. It is better to approach a broker handling auto insurance in Florida who can suggest a proper insurance policy to the customer because of confusion among the public as to which car insurance in Florida is apt for them. Insurance providers are bringing out new methods and offers in order to attract people to beat the competition and offering them long term benefits. Auto insurance in Florida is to provide financial protection against physical damage and bodily injury resulting from accidents and liabilities that could also arise from it. The terms of vehicle insurance may vary from region to region depending on the laws of that region. Auto insurance may additionally offer financial protection against theft of the vehicle and possibly damage to the vehicle, sustained from things other than traffic collisions and it should also cover damages occurring from natural calamities like earthquake, lighting, typhoons which normally companies hide.

All residents in Florida driving a vehicle should compulsorily have a vehicle insurance coverage in order to take care of their vehicle in case of an accident or a third party claim. They should also have coverage against damage and theft of the vehicle. As per Florida auto insurance laws vehicles which gets involved in major accidents should have minimum liability insurance and no fault insurance which is compulsory in Florida auto insurance. Otherwise people will end up selling your assets in order to settle the claims. The guideline stipulated by the authorities should be strictly followed and only a professional broker can guide you to an insurance policy which covers all the risk factors and offer you an ideal solution. Florida car insurance policy should have features other than the normal stipulated features which should be incorporated in the policy so that any unfortunate event happened anywhere in the US it should be covered by it. Rates for car insurance in Florida differ from one company to another depending on the additional coverage’s being offered. Basic coverage for events will be covered as per the laws but the attraction is the additional coverage being offered like damage due to natural calamities like earth quakes and typhoons, unforeseen circumstances, should be covered at a minimal cost or it should be included in the insurance policy free of cost.

It is important that when you are travelling to other states vehicle owner should take additional insurance as per the laws of that state so as to cover all loop holes if an unfortunate event occurs in other states. It is ideal to approach a person who can direct you to a good company which offers all the features which you are looking into so that once if you are on the road you feel assured that your family is taken care off if any unfortunate event occurs to you. Performance of an insurance company will depend on the features and benefits of the policy which he sells. Their productivity will increase if the policy offered is transparent and easy to understand and should offer cheap car insurance in Fl. With so much offers and advertisements online about vehicle insurance confuses the common public as to which company is the best and the ideal person who can suggest an insurance policy with all the coverage’s you need is a professional insurance broker.

Florida car insurance rates are different for different age groups. A young driver is charged more because the risk factor is high as you get older the rates comes down drastically and when you reach above fifty five years special senior citizen rates are offered. Car insurance in Florida differs in many ways from other states in the nation. Florida car insurance has no fault insurance laws. No fault insurance laws greatly reduce the liability of at fault drivers. Insurance companies pay out to victims of crashes quickly on behalf of proposed and avoid costly litigation. And companies in Florida selling auto insurance offer premiums lower than the national average. Florida cheap car insurance is offered by almost all the insurance companies online. There are some companies offering car insurance for less than one dollar per day and at the same time maintains quality. Auto insurance quotes in Florida can be obtained in the shortest possible time through online.

Florida Auto Insurance Laws stipulates that the vehicle owners should have a minimum of $10,000 personal injury protection and a minimum $10,000 no fault property damage liability insurance which covers all third party damages. It is always better to purchase larger amount of liability insurance to protect your assets.

Florida auto insurance quotes can be obtained online from different companies and the best option is to contact an insurance broker who can advice you on the best insurance policy available under Florida law. Florida auto insurance requirements stipulate that a vehicle owner in Florida must cover the vehicle with the minimum liability insurance requirements.

The state’s Financial Responsibility Law and No-Fault Law work together and require that each vehicle owner to have certain amounts of liability as coverage. As a state resident of Florida, you must be able to show you can take financial responsibility for any incidents in which you and your vehicle are involved. Florida’s Financial Responsibility Law and No-Fault Law both stipulates and outlines you should have total coverage to meet the financial responsibility requirements when you legally operate your vehicle in the state of Florida. Whether you plan to drive it or not, if you own a vehicle with a state license plate you must have minimum liability coverage as mentioned in the law to avoid ending up selling your assets to cover damages if an accident occurs. More than the vehicle damage insurance is important for your life cover and third party cover so that the financial status of your family is maintained if you are not there.

What Are the Requirements Set By DMV When Applying for Florida Cheap Car Insurance

An accident can ruin your new car along with your emotions attached to it. State insurance laws are quite favourable at fault of the driver. These laws are designed to give financial strength to affected parties of the accident, but Florida auto insurance laws get strict towards drunk drivers. DWI and DUI Laws have provision of penalty and imprisonment for defaulters. Florida DMV (Department of Motor Vehicles) includes regulation related to driving license renewal, receiving a learner permit, license renewal, and finding approved traffic institution. Before getting insurance coverage, one must gather information about the legal requirements of auto insurance quotes in Florida. You can further try to go to an online comparison to get the best deal offered by various insurance companies. Being a consumer you have right to go for various discounts, price reducing schemes, winning contests and reward programs. You have right to select best between all available alternatives.

Car insurance in FL has different policies which include the entire scope of insurance coverage. Te Florida auto insurance requirements are mentioned below:

Minimum Requirements

Florida Auto Insurance Laws require at least $10,000 of private injury belongings and $10,000 of asset damage liability.

Physical Injury Coverage

Although it is not mandatory, Florida drivers can opt to carry physical injury liability exposure along with their financial injury prevention. This exposure also pays for third party injury and health expenses if was severely injured in an accident.

Failure to meet the terms

In case you failed to comply for Florida auto insurance quotes, the law have right to get your license suspended. They can even charge a reinstatement of fees that may vary from $150 to $500.

Insurance Registration Requirements

All automobiles that have been legally registered in the State Law of Florida are required to hold auto coverage even if driver and the automobile are running in another state. You can even decide for surrendering the tag of registration to carry the Florida insurance coverage.

Short-term Residents

Those who are residing temporarily in the provinces of Florida for more than three months within for a period of 365-day are required to carry insurance. This law remains in-affected by the fact whether they are living there constantly or not.

The premium for Bodily Injury Liability insurance is the same from your insurance company regardless of an SR-22 filing requirement. The only additional cost to the insured for the SR-22 in Florida is a $15 filing fee. However, drivers who are required to file an SR-22 generally pay more than the others for their insurance premium. This is due to the reason for the SR-22 such as at fault car accident or a conviction for driving under the influence.

Once mandated by the Bureau of Financial Responsibility to file an SR-22. Failure to do so may result to driver license or vehicle license plate suspension. Reinstatement of these will only occur after certified proof of the required liability insurance in the form of an SR-22 is filed with the Bureau of Financial Responsibility. Fees will apply in addition to the $15.00 filing fee. Forms SR-22 and FR-44 are submitted (filed) by the insurance company. The submissions are transmitted electronically and 15 days is the allowable time for the company to file after a policy begins.

Factors Needed In Choosing the Best Florida Auto Insurance Policy

Auto insurance in the state of Florida is mandatory. Every individual is expected to have an auto insurance policy as long as he owns a car and driving on the roads of Florida. According to the authorities of the state of Florida, every car owner is expected to have at least a basic auto insurance policy. Although the basic auto insurance policy offers a form of protection to the owner and his car, it is not a full one. If you feel that you can afford a higher auto insurance policy, you can upgrade to the standard Florida auto insurance.

Before any company can consider you for an auto insurance policy, they take into account of the safety factors. This is usually done by assessing your car’s safety score. The score describes the safety that is associated with your car. It includes taking into account the number of accidents or insurance claims that a particular driver has been associated with in the near past. Any car accidents or insurance claims are usually divided into seven categories that are provided by the highway loss data insurance also known as HLDI. The HLDI reports are kept in a secure data base and can be accessed when necessity arises.

The score card is compared against dozens of other cars for an average value. It is possible to determine a car’s safety status when it is involved in an accident. This is particularly because the average value depicts a car’s performance when it comes to expenditure on collision and other expenses that come with an accident such as medical and property damage expenses. If your score against this average value is too high, then you are likely to pay more for your auto insurance policy. Most auto insurance policy providers within the state of Florida are very serious about this score and they use it to determine the rates to charge a particular car owner.

How does the car score value work? This is the score that car insurance providers use to determine the rates to give to a particular car owner. In most cases, the 100 score depicts the average score for all motor vehicles. Any score that is higher than the average value is considered as being very bad. It is sometimes hard to get an auto insurance policy if the car score ranges above the average score of 100. On the other hand, an average car score which is less than the average value of 100 is considered as being of very good value. All individuals whose car score is less than the average value are considered as being very safe drivers. It is very easy to get an auto insurance policy if your score is less than the average score of 100. Some cars may not have sufficient information that can be used to compile the required car score. In this case the Florida auto insurance policy provider involved will have to consider another method to come up with a reliable set of rates for the car owner.

Have you ever wondered why women pay less for their auto insurance policies? Women usually score less than the average value of the car score. This is the reason why most females fall within the category of very safe drivers. As a result, most of the auto insurance policy providers will not have any problems providing auto insurance policies to females.

If you fully understand the average car score and its interpretation, you will be more aware of the need to ensure that you drive carefully on the road. Take your time to drive in accordance to the road safety rules that have been placed by the state. If you forget any car rules, do a quick revision so that you will not commit an offense while driving on the roads within the state of Florida. Always carry when you are driving on the roads of Florida, the Florida certificate of insurance. As indicated above, it is not allowed to drive without any auto insurance policy that is recognized by the authorities in the state of Florida. Therefore, you have to ensure that you have an auto insurance certificate from the auto insurance policy provider. In most cases, you will be expected to produce the certificate to the authorities at check points, when you are stopped upon violating a particular traffic rule or after you have been stopped for a car inspection.

If you want to be a very safe driver and to eventually end up with a fairly low average car score value, you may have to do away with drinking alcohol while driving. When you drink and drive, you are likely to be involved in an accident. As a result, the auto insurance policy providers may not easily sell you their auto insurance policy. In addition, you are likely to score higher than the average car score value and this will have a negative impact on the evaluation of rates by the auto insurance provider.

It is not only the average car score that you have to worry about, but also the DUI laws within the state of Florida. There are very stiff penalties if you have been found with any form of intoxication that cripple you as far as driving is concerned. There are laws that prohibit a driver from driving with a certain amount of alcohol in the blood stream. Using a breathalyzer, authorities can ascertain someone’s state of drunkenness. A lot of penalties usually accompany a road traffic offense that is committed when a person is drunk. Thus it is important to get the tips of using the right insurance plan.

A Guide to Have Minimum Liability Insurance Requirements When Processing Auto Insurance in Florida

The auto insurance laws and requirements are pretty direct in Florida. The auto insurance law needs drivers in Florida to carry liability insurance on their cars. The collision, comprehensive and other types of coverage are optional.

The following are the Florida auto insurance requirements according to the Florida DMV:

1. Minimum $20,000 per single injured person per accident for the bodily injury.

2. Minimum $40,000 per accident with two or more injured parties for bodily injury.

3. Minimum $15,000 per accident for property damage.

This means that if you are in an accident in which you are the one found guilty, your auto insurance in Florida needs to cover $40,000 for all injured parties or a minimum of $20,000 for single individuals. You will also need to cover $15,000 for the damage you cause on someone else’s property such as their vehicle. These are only the minimum coverage amount. Choosing the higher limits is advised if you want to insure yourself against further liability. For example if you cause a $40,000 worth of property damage in an accident but you only carry the minimum, you will need to cover the rest of the $25,000 out of your own pocket. This is not a debt that most people can swing with.

The Proof of the Liability Insurance

Florida requires drivers to put forward the proof of insurance in a variety of situations to back up the financial responsibility among its residents. In case of if you are directed by a police officer to pull over, automatically he or she will first ask to see your driver’s license and your insurance card. You will get a ticket if you do not have the proof of the insurance.

Without the proof of the insurance, Florida residents will also unable to register their vehicles and acquire a vehicle inspection or renew the driver’s licenses. The reasons these laws are put in a place partly is to stop residents from getting insurance only for a brief period time for example in order to renew the registration but the cancelling the policy later on.

Moving to Florida

The Florida auto liability laws will let newcomers a 30-day period to purchase a new insurance for your vehicles if you are new in the state. The clock starts right after you have a full-time job or opened up the residency. So, it is best to take care of the cover paper as quickly as you can.

Plus, you must keep your liability insurance card in your vehicle at all times. By doing this, you will be able to prove financial responsibility if you are directed to pull over by a police officer. If possible, you have to keep a copy of the insurance card in your vehicle. You can keep it in the glove compartment or in your wallet. This will help you in case your vehicle is being stolen or otherwise it will be unavailable when you need a proof.

Important Traits of SR-22 That You Must Understand To Succesfully Get Auto Insurance in Florida

Florida is a State of America thousands of people reside here for earnings. The insurance on automobile is necessity of every person here even it can never be registered until insured. Therefore people mostly become policy holder through SR-22 policy. SR-22 is not a typically an insurance but is an insurance certificate which indicates that a person is insurance policy holder and has insured his vehicle. This type of certification is minimum liability insurance over motor vehicle which is an agreement or coverage between driver’s insurance company and driver himself. The insurance company of driver has the authority to let it know the DMV about driver’s policy at the time of termination, cancellation and tumble. SR-22 policy can be issued to you if you are not owner of any vehicle. For this you just have to ask your insurance company about non owner SR-22 policy.

SR-22 as written is not any insurance policy; it is just a name of specific form which is provided by insurance company for fillings. It is a settlement which takes place between various states. It is not requirement of all states. There is law which requires by the state if this filling form is expired, cancelled, or non-renew in any case. If your certification period is not expired and you still want to quit it then it is also your insurance company responsibility to inform state. The insurance company can then able to issue you SR-26 as a punishment or fine after informing the state that you are no more policy holder of this insurance company. It is just required in future at a time when somehow your license is postponed or in any case it is cancelled also is required after traffic citation for driving.

It is actually to give a support to your auto insurance policy which notifies the Florida Department of Motor Vehicles that you are now in conformity with state. It is indeed issued due to driver’s offense which he already done while driving and is fail to maintain the auto insurance law which is requirement of state. In fact if a driver involve in certain other driving related transgression or offences for instance DUI, DWI and also violate some other traffic laws or if in any case because of him any kind of road accident takes place.

The rationale for which SR-22 certification is made that it is just to show prove to the state that the person who has filled this form is now in obedience of state financial responsibilities. If in case you are unable to show this form or certification during accident or road offense than state has the authority to fine you heavy amount or send you to jail. This certification is helpful within the state if however your license is suspended or if your license is suspended twice within 30 days then it will help you in preventing such issues.

SR-22 auto insurance in Florida cost is two hundred to eight hundred dollars annually which contingents on the austerity of convict in traffic accidents or on violation traffic rules. If you are unable to submit filling within days then it can be suspended by your insurance company and if you are unable to give proof of this certification at any time to the state officials then it will be your responsibility to sign this certification for as a minimum of three years.

If you are interested to compare quotes for auto insurance in Florida from various insurance companies then enter zip on the top of the page.