In Florida, an SR‑22 (Certificate of Financial Responsibility) is required when a driver must prove they have the mandatory bodily injury liability (BIL) and property damage liability (PDL) coverage to satisfy the state’s Financial Responsibility Law. The filing is handled by a licensed insurance company, which reports the SR‑22 initiation or cancellation electronically to the Florida Highway Safety and Motor Vehicles (FLHSMV) agency. Drivers who receive a Notice of Suspension must keep the SR‑22 on file and maintain the required coverage throughout the suspension period.
To reinstate a suspended license, the driver must turn in their license plates at a local driver license office or tax collector’s office before cancelling insurance, pay any applicable reinstatement fee (which can be up to $500), and ensure the SR‑22 remains active for the period specified in their FR sanction notice. The exact SR‑22 duration varies based on the specific sanction listed in the Notice of Suspension, so drivers should consult that notice for precise timeframes and any additional conditions.