Reader’s Question:

I am from Florida. I just got a new car insurance policy which I opted to pay on an installment basis. And also I’ve requested for SR22 insurances in Florida since I need one to have my license reinstated. But to my surprise I was told that Florida State requires a full payment before they can give me SR22 insurance. This is ridiculous! Is there a rule like that?

Warren

Coral Springs, FL

The state of Florida has financial responsibility law that requires all drivers and owners of vehicles to be financially ready if they get involved in vehicular accidents and caused damage or injury to another party.

This law mandates every driver to have liability insurance in an event of:

• An at fault vehicular accident
• Getting several points against your driver licenses that resulted to license suspension
• A license revocation because of a Drinking Under the Influence (DUI) citation
• A license revocation for being a habitual traffic violator
• A license revocation because of a serious traffic offense according to the FL Department of Motor Vehicles.

If a driver is involved in any of the mentioned offense and have at that time no car insurance coverage, then his or her driving privileges will be suspended for a period of three years.

There are SR22 insurances in Florida that are cancelable and there are those that are not. If I am not mistaken, the non-cancelable SR22 insurance MUST be paid in full. Also, the basis whether you need to pay SR22 insurance in full or not depends on the reason why you are required to get SR22 insurance.

For more information about SR22 insurances in Florida, you can ask your auto insurance agent.