Can I Report a Driver Who Does Not Have Mandatory Auto Insurance?

Reader’s Question:

How can I report a person if I suspect him of driving here in Florida without the mandatory auto insurance policy?

Ally

Jacksonville, FL

There is an agency in Florida called the Florida Bureau of Financial Responsibility, where you could call and report another person who violates the mandatory auto insurance law. This agency is in charge of making sure that all registered drivers can guarantee financial responsibility for damages they may cause when operating a registered vehicle.

If you feel the need to report someone you suspect of driving without insurance, there are financial responsibility departments that you may call. Even if you’re not sure about the person’s auto insurance status, you may still report it to the agency. Do not feel guilty for causing the other person trouble because you may never know if the person he causes damage to in the future is you. Besides, you may think of it as part of your social responsibility to report anyone who may cause damage to another person and may face the situation unprepared.

Regardless of what state you’re located in, you can report a suspected uninsured person. Each state has its own department that handles this, and you may reach their hotline number to report this supposed violation. Otherwise, if you think that you can handle the situation, you may recommend to the person an auto insurance company or agent and try to convince him to get his vehicle insured before he gets caught.

SR22 Financial Responsibility – What Is It?

Q: What is the Sr22 Financial responsibility form?

A: The Sr22 Financial responsibility form is a very expensive piece of paper, which may be required of you by a judge or simply by the law or your state. You may be required to file an SR22 form if you have violated a certain traffic or insurance law. It all depends on what state you live in, but some typical things which will get you in trouble and filing an SR22 are driving drunk and driving uninsured, so if you do any of those things, unless you’re in a state which doesn’t require SR22s at all, then you’re stuck.

Your Sr22 Financial responsibility acts as proof of car insurance coverage with your Department of Motor Vehicles, and in most cases you will have to file it for three years. Some states, like Texas, have shorter filing periods, while other states have filing periods which vary depending on your category of offense and how many times you have reoffended.

An Sr22 Financial responsibility form is require to reinstate a suspended license. Once your license is reinstated, if you don’t pay your premium any time during your required filing period, your license is yet again suspended.