SR22 Filing

There are many reasons why a driver may be required to obtain an SR-22 or file an FR-44 to Florida’s Bureau of Financial Responsibility. Maybe you have received too many points for traffic violations or had an at-fault accident without insurance. What matters to us is making sure that you are insured so you can get your license reinstated.

If you’re looking for an SR 22 to be filed correct and fast then give us a call. Once you’re a client we don’t forget about you. The tickets or accident that caused the SR22 won’t stay on your record forever. At each renewal interval our agency will examine your policy and search for lower cost alternatives. Any opportunity to save money, whether or not the SR-22 compliance period has ended, is discussed with you.

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SR-22 is not a type of Florida auto insurance It is the name of the form used by auto insurance companies to certify compliance for persons required to maintain minimum limits of liability insurance. The Sr-22 form is submitted by auto insurance companies to Florida’s Bureau of Financial Responsibility on behalf of their insured’s.

For most residents of Florida the minimum mandatory auto insurance is $10,000 of Personal Injury Protection (PIP) and $10,000 of Property Damage Liability (PD).   Bodily Injury Liability (BI), indicated on an SR-22 filing, in addition to PIP and PD is required for persons who meet certain criteria.  Drivers who have been in an at fault accident causing injuries and did not have Bodily Injury Liability or ability to provide compensation may be required to obtain an SR-22 filing.  Certain traffic violations, such as, driving under the influence, or a suspension for too many points on your license may necessitate an SR-22 filing.

Minimum Bodily Injury Liability (BI) limits to be in compliance with an SR-22 filing is $10,000 per person and $20,000 per accident.  This coverage is in addition to the required $10,000 of Personal Injury Protection (PIP) and $10,000 of Property Damage Liability coverage required by Florida law.  A combined single limit of liability in the amount of $30,000 would also fulfill the SR-22 filing requirement.
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 is a $15.00 filing fee.  However,  drivers who are required to file an SR-22 generally pay more than other drivers for their insurance premium due to the reason for the SR-22 filing, such as an at fault 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 in your driver’s license and or vehicle license plate being suspended for up to 3 years.  Reinstatement of your driver’s license and or license plate will only occur after certified proof of the required liability insurance in the form of an SR-22 is once again filed with the Bureau of Financial Responsibility.   Reinstatement fees will apply in addition to the $15.00 SR-22 filing fee.

The Bureau of Financial Responsibility is a division of the Florida Department of Motor Vehicles.  The primary objective of the Bureau of Financial Responsibility is to make sure drivers are accountable if they become legally liable to pay for damages involving motor vehicles.  The Bureau of Financial Responsibility will assist consumers in the collection of payment for damages caused by the liable party.  If the liable party had no insurance at time of accident and is unable to compensate for damages they become legally obligated to pay, a judgment against the liable driver from a court of law may be obtained.  Once a final judgment from a court of law is obtained the Bureau of Financial Responsibility has the authority to suspend the liable individual’s license and registration as long as 20 years or until the judgment is satisfied.

Many insurance consumers are unaware of the Florida Financial Responsibility law when shopping for the lowest priced auto insurance.  It’s only natural, when on a tight budget, to inquire about minimum mandatory coverage which does not include Bodily Injury Liability in the state of Florida.  In an effort to secure a new client, by offering a cheap premium, insurance agencies often fail to fully explain the ramifications of not carrying Bodily Injury Liability on a Florida auto insurance policy.  Too often consumers become painfully aware of the Florida Financial Responsibility law after they have been in an at fault accident causing injuries.  It’s smarter, safer, and far less expensive to obtain auto insurance which complies with the Florida Financial Responsibility Law before an accident happens.  Avoid having a judgment against you, your license and registration suspended, and having to file anSR-22 by being properly insured before an accident occurs.

Being in compliance with Florida’s Financial Responsibility law does not protect you from being sued by the injured party.  Having Bodily Injury Liability of $10,000 per person and $20,000 per accident does not go very far when a major auto accident causes severe damage.  Higher liability limits should be carefully considered when purchasing a policy.  If budget constraints prevent you from purchasing higher liability limits and you are sued for damages above the $10,000 per person $20,000 per accident of Bodily Injury Liability limits you have, at least the Department of Motor Vehicles and its Bureau of Financial Responsibility will take no adverse action against you.  It’s far less treacherous to include the minimum Bodily Injury Liability on your quote then to have your license and registration suspended until a judgment against you is satisfied.

Another advantage of obtaining Bodily Injury Liability is that you will qualify for better tiers (categories) from your insurance company.  A better tier means lower overall insurance premiums.  Many of the top rated, most reputable, companies will not offer a policy with out Bodily Injury Liability.  Insurance companies always offer a discount for consumers who carry auto insurance with out a lapse in coverage that include Bodily Injury Liability.

Over the long term, if you consistently carry Bodily Injury Liability on your policy, not only will you be in compliance with Florida’s Financial Responsibility Law, you will save money on your automobile insurance premiums.

If you have been in an accident and sustained injuries from an at-fault and uninsured driver you can seek assistance from the Bureau of Financial Responsibility in collecting damages from the liable party.  Obtain a crash report from the law enforcement agency investigating the accident along with a final judgment from a court of law and send to the Bureau of Financial Responsibility.  The Bureau will take immediate action against the at fault driver and suspend their license and registration for as long as 20 years or until the judgment is satisfied.

Contact Jimenez Insurance now! Call us toll free at: 877-643-2056 or locally at (305) 961-1140.