I was told that I am required to have a "paid in full" SR-22 before they could issue my SR-22 certificate. I live in Florida and I purchased a new auto insurance policy, making the required down payment with a payment arrangement for the remainder of the policy premium. I requested a SR-22 form to be filed and also requested a copy to be sent to me so I can get my license re-instated. I have never before been told this by any other FL insurance company, is the information correct?

The Florida Financial Responsibility Law requires owners and operators of motor vehicles to be financially responsible for damages and/or injuries they may cause to others when a motor vehicle crash happens. This law requires any person to have liability insurance at the time of the following:

1. A crash where you are at fault and injuries have occurred.
2. A suspension for too many points against your driver license.
3. A citation for DUI, which results in a revocation.
4. A revocation for Habitual Traffic Offender.
5. A revocation for any serious offense where this department is required to revoke your license.

You must have the following minimum insurance coverage:

• $10,000 Bodily Injury Liability (BIL)
• $20,000 Bodily Injury Liability to two or more persons.
• $10,000 Property Damage Liability (PDL), or
• $30,000 Combined single limits.

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If you were involved in any of the above violations and you do not have insurance to comply with the financial responsibility law, your driver license and/or tags will be suspended for up to three years. You will have to pay a reinstatement fee and show the department certified proof of full liability insurance on Form SR-22 for three years from the original suspension to get your driving privilege back.

Some SR-22 filings are cancelable while others are non-cancelable. Non-cancelable SR-22 filings must be paid in full. It will depend upon the reason that you are required to have the SR-22 if it must be paid in full or not. The SR-22 case number can determine whether or not the SR-22 is cancelable or not.

Any SR-22 required for a DUI requires a 6 month paid in full policy. Some insurance carriers underwriting rules require the SR-22 to be paid in full regardless of the state requirement.

There are numerous reasons why you may need a Paid in Full SR-22. Make sure you know which type of SR-22 you need before you purchase car insurance.