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Car Insurance Question  In Florida, are you required to have SR-22 insurance if your drivers license has been suspended for 30 days due to 12 points in 12 months?

You may have to have a SR-22 to reinstate your Florida driver's license after a suspension due to accumulating too many points on your driving record; it will depend upon your situation at the time of your suspension.

As you know exceeding the allowable points total in Florida by even one can get your license suspended. The FL Department of Highway and Safety and Motor Vehicles (HSMV) lists a 30 day suspension for 12 points earned within 12 months, a 3 month suspension for 18 points earned in 18 months and a one year suspension for 24 points within a 35 month period.

Florida law requires drivers to carry Bodily Injury Liability (BIL) insurance in addition to Personal Injury Protection (PIP) and Property Damage Liability (PDL) coverages in some cases, such as when a driver is convicted of certain traffic violations. The Florida Driver's Manual states that the FL Financial Responsibility Law requires a person to have bodily injury liability insurance at the time of receiving a suspension for too many points against your driver license.

If you do not have insurance to comply with the Financial Responsibility Law at the time exceeding the points total, your driver license and/or license plate will be suspended for up to 3 years. You will have to pay a $15 reinstatement fee and show the department certified proof of full liability insurance on Form SR-22 for three years to get your driving privilege back.

From this Florida Driver Handbook information it would appear that you will need to continue to file the SR22 with the state for 3 years if you did not have BIL in addition to the state minimum requirements of PIP and PDL as part of your car insurance policy at the time which your points total exceeded the amount allowed by law. To find out for certain amount your specific situation and if a SR-22 will be needed to reinstate your license at the end of the 30 day suspension, check with the FL HSMV.

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This car insurance question was asked on 7/23/2008
This auto insurance answer was last updated on 7/25/2008
Bob Z requested this car insurance solution.
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