Many people don’t realize that holding a driver’s license in Florida is a privilege, not a right. If a motorist commits certain violations, they may face suspension or revocation of their driving privileges. Once this happens, auto insurance providers typically cancel the policy automatically.
In Florida, many individuals rely on their car for work or daily activities. Unfortunately, some choose to drive without a license, which is a serious offense that could lead to jail time.
What many don’t know is that there’s a legal way to reinstate your driving privileges. The process involves finding an insurance provider willing to work with “high-risk” drivers and having them submit a special insurance certificate. This is done by requesting your insurer to file an SR-22 form with the Florida Department of Highway Safety and Motor Vehicles (DHSMV).
The SR-22 form certifies that you meet the minimum auto liability coverage required by Florida law, which includes:
- $10,000 for bodily injury liability per person
- $20,000 for bodily injury liability per accident
- $10,000 for property damage liability per accident
Once the DHSMV receives and approves the SR-22, your driving privileges can be reinstated.
However, if your license was revoked due to a DUI (driving under the influence), an SR-22 alone is not enough. You’ll need to file an FR-44 form, which requires higher coverage limits.
You can request an SR-22 if you are:
- A vehicle owner
- An owner-operator
- A non-owner (you don’t own a vehicle or live with someone who does, but you drive a borrowed or rented car)
As you can see, it’s a technical process. If you need help reinstating your insurance and recovering your license, contact Univista Insurance. Please don’t drive without a license or insurance — the consequences are much worse.
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