There is a common misconception that SR-22 is insurance coverage. An SR-22 (“Safety Responsibility”) document is required when a driver is seeking to reinstate their license after it has been suspended for any reason, including a DUI conviction or reckless driving. SR-22 is not actually insurance, but a document that indicates the driver has the appropriate liability coverage.
In Florida, this can also be called a certificate of financial responsibility, or FR-44. However, FR-44 is usually required for drivers who are ticketed for serious offenses related to DUIs. The requirements for FR-44 are higher than those for SR-22.
SR-22 insurance is usually required for a period of three consecutive years in Florida. If the SR-22 insurance holder does not pay their premiums, their insurance will be canceled and the DMV will suspend their privilege to drive.
Even if you don’t own a car, you may still be required to have SR-22. You can obtain a non-owners policy from your insurance company. This will protect you against personal injury or property damage claims if you borrow or rent a car.
If you are looking for assistance reinstating your driver’s license, call experienced license attorney Brandon Gans for a free consultation.