Form SR-22 is the name of the document providing verification to the Florida DMV of required car insurance for license reinstatement. Depending on the circumstances, court ordered suspensions may require different conditions from the SR-22. Bodily Injury Liability coverage, compliance period and payment terms are the major differences.
Uninsured drivers causing an accident with property damage only, require a Personal Injury Protection (PIP) and Property Damage Liability (PDL) policy. The type of policy to satisfy this SR-22 requires a 6 month non-cancelable (full payment required) policy and has a two year compliance period. Bodily Injury Liability (BIL) is required when people are hurt. In Florida the coverage limits are $10,000 per person and $20,000 per accident. For this SR-22 the compliance period is three years and a policy that can be cancelled is acceptable.
Form SR-22 is submitted (filed) by the insurance company to Florida's Bureau of Financial Responsibility. All filings are submitted electronically. Insurance companies have 15 days to file the SR-22 after policy begins. The Florida DMV will not reinstate a driver license until the electronic filing has been completed.
In October of 2007 Florida Form FR-44 replaced Form SR-22 for DUI drivers. The SR-22 filing is only acceptable on a Florida auto insurance policy. A $15.00 filing fee is added to the cost of a policy. Multiple SR-22s or an FR-44 and an SR-22 are not issued on the same driver. A new FR-44 filing will supersede an existing SR-22 requirement. Form SR-26 is used to report a policy that cancels which has an SR-22 filing.
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