What to Do If You Let Your SR-22 or FR-44 Policy Lapse

Introduction

For Florida drivers, maintaining continuous insurance coverage is always important—but it becomes absolutely critical if you have an SR-22 or FR-44 filing. These certificates prove to the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) that you carry the required liability coverage.

If your policy lapses, even for a single day, your insurer must notify the state. This can lead to fines, license suspension, and even an extended filing requirement. The good news is that a lapse is fixable if you act quickly. This guide explains what happens if your SR-22 or FR-44 lapses in Florida, how to reinstate your coverage, and how to prevent future issues.

What Happens When Your SR-22 or FR-44 Policy Lapses

When you let your policy expire, cancel it, or miss a payment, your insurance company files an SR-26 form with the FLHSMV. This form tells the state your policy is no longer active.

Consequences may include:

• Immediate license suspension until proof of coverage is filed again
• Restarting your filing period, meaning more time under SR-22 or FR-44 requirements
• Higher insurance premiums when you secure a new policy
• Additional reinstatement fees owed to the state

Steps to Take If Your SR-22 or FR-44 Policy Lapses

1. Contact Your Insurance Provider Immediately

Sometimes, a lapse happens due to a missed payment or paperwork error. If caught early, your insurer may allow you to reinstate coverage without a full cancellation.

2. Purchase a New SR-22 or FR-44 Policy

If your old policy is canceled, you’ll need a new insurance provider that files SR-22 or FR-44 certificates. Not all companies offer this service, so it’s important to shop around. Agencies like White Chip Insurance specialize in helping Florida drivers find affordable options.

3. File the SR-22 or FR-44 With the FLHSMV

Your new insurer will electronically file the certificate with the state. You cannot drive legally until the FLHSMV receives and processes the filing.

4. Pay License Reinstatement Fees

The FLHSMV may require you to pay a reinstatement fee before restoring your driving privileges. The amount depends on the reason for your original SR-22 or FR-44 requirement.

5. Prepare for Higher Premiums

A lapse in coverage is a red flag to insurers. Expect your premiums to increase. The best way to manage this is to compare multiple quotes and ask about available discounts.

How to Prevent Future Lapses

• Set up automatic payments to avoid missed due dates.
• Keep your insurer updated with changes to your address, bank account, or billing info.
• Mark renewal dates on your calendar several weeks in advance.
• Review your policy annually to ensure it still meets Florida’s requirements.

Final Thoughts

A lapse in SR-22 or FR-44 insurance coverage in Florida can have serious consequences, including license suspension, higher premiums, and extended filing requirements. However, by acting quickly—contacting your insurer, securing a new policy, and filing the proper paperwork—you can get back on the road legally.

To prevent future lapses, set up auto-payments, stay organized with renewals, and work with an insurance expert who understands Florida’s high-risk requirements.

White Chip Insurance offers free online tools and licensed Florida agents to help drivers secure affordable SR-22 and FR-44 coverage quickly—even after a lapse.