SR22 insurance, as its usually referred to, isn’t genuinely a type of Florida auto insurance. In simple words, SR22 is the name of the form which is used by auto insurance companies to state someone has an insurance policy maintain the limits of liability.

SR22 form is submitted by your car insurance company to the Florida’s Bureau of Financial Responsibility, only of course you are required to submit such verification of liability insurance.

Driving under the influence, suspension for too many points, driving uninsured are some of the reasons why you may be required to have SR22.

Florida’s No Fault Law indicates that the minimum requirements for a car insurance policy are Property Damage Liability (PDL) of $10,000 and Personal Injury Protection (PIP) of $10,000.

Bodily Injury Liability (BIL) is added in addition to the minimum Florida No Fault requirements if you need SR22 Insurance. $10,000 per person and $20,000 per accident are the minimum Bodily Injury Liability limits for SR22 in Florida. The SR22 requirement can also be fulfilled with a single limit of liability – $30,000.

Regardless of the fact that SR22 filing is requried, the premium for Bodily Injury Liability will not be increase by your insurance company. A $15 filing fee is the only additional cost for you.

Bare in mind that, if SR22 form filing is required you will pay more for your car insurance. Its not because of the SR22 filing, but rather because of the reasons you were required to have SR22 insurance – DUI, suspension for too many points, driving without insurance.

If you don’t comply if mandated by the Bureau of Financial Responsibility, your driver’s license and or vehicle license plate will be suspended. If this happens, you will have to pay reinstatement fees in addition to the filling fee.