SR-22 Auto Coverage in Florida
SR-22 Auto Insurance in Florida
Florida is home to millions of people – both permanent residents, and those just visiting. Unlike many other states that require proof of insurance upon registration, Florida allows self-certification of insurance when the vehicle owner applies for tags and registration.
Self-certification does NOT mean drivers are allowed to go without auto insurance. In fact, in Florida, proof of auto insurance is required in vehicles at all times, and must be provided to law enforcement officers at any stop or at any accident.
Florida minimum auto insurance amounts
- Minimum Liability Amounts: $10,000 to cover bodily injury to or death of any one person in any one motor vehicle accident
- $20,000 to cover two or more persons per occurrence
- $10,000 to cover property damages.
Proof of insurance is acceptable in the form of Insurance ID Cards and/or auto insurance policy binders.
Florida SR-22 filings
If your license is suspended by the Florida Department of Motor Vehicles, then you may be required to file an SR-22 to get your license back. Reasons for having to obtain a Florida SR-22 include:
- DUI violations
- Excessive moving violations
- Unpaid tickets
- Fines or parking violations
- Involvement in uninsured accidents
- Driving without auto insurance
- Other reasons as determined by the DMV
Florida SR-22 cautions
A Florida SR-22 certificate is NOT auto insurance. The certificate guarantees the DMV that a state licensed auto insurance company has issued at least the minimum liability coverage to whoever is buying the certificate. In addition, the auto insurance company assures the DMV that they will notify the DMV if the insurance is cancelled or lapses for any reason.
Normally, the Florida DMV will require the SR-22 to remain in effect for between 1-3 years. Current legislation is seeking to extend these time limits, so check with the DMV for the most current information.
Non-vehicle owners and SR-22 auto insurance
If you do not own a vehicle but still need to have your driver's license reinstated, you must file for non-owner's liability coverage in Florida.