Fast, affordable filings. No judgment.
Family-owned independent agency
Serving Southwest Florida since 2009
A suspended license doesn’t mean you’re out of options. It means you need the right agent. If you’ve been told you need an SR-22 or FR-44 to get your license reinstated, you’re dealing with one of the most confusing parts of the Florida insurance system: dense paperwork, strict deadlines, and many insurers that don’t offer these filings at all.
Neither an SR-22 nor an FR-44 is an insurance policy. Each is a certificate your insurer files with the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) to prove you carry the required liability coverage. Goodlad & Swank works with Florida carriers that file them and makes the process as straightforward as possible.
Both are in addition to Florida’s required PIP coverage. Your FLHSMV notice tells you which certificate you need and the dates that apply to you.
Driving without insurance, a crash while uninsured, repeat traffic offenses or a reckless driving conviction.
Bodily injury liability of $10,000 per person and $20,000 per crash, plus $10,000 of property damage liability, often written as 10/20/10.
Generally three years of continuous coverage, with no gaps or lapses.
Required in Florida after a DUI conviction. It carries much higher liability limits than an SR-22.
Bodily injury liability of $100,000 per person and $300,000 per crash, plus $50,000 of property damage liability, often written as 100/300/50.
At least three years of continuous coverage. FR-44 policies cost more because of the offense and the higher limits.
If your SR-22 or FR-44 policy lapses for any reason, including a missed payment or a cancellation, your insurer must notify the FLHSMV.
Without proof of continuous coverage, your driving privileges can be suspended again.
You’ll face new reinstatement fees and paperwork to get your license back.
When you reinstate, rates are usually even higher than before.
Many large national carriers don’t file SR-22 or FR-44 certificates. With access to Florida carriers that do, we:
We don’t lecture and we don’t judge. We get you filed and back on the road.
Insurers typically charge a one-time fee of about $15 to $25 to file an SR-22 or FR-44. It’s separate from your premium and from the state’s reinstatement fee.
We’re not the insurance company. We’re your agent, and that distinction matters.
Many large national carriers don’t offer SR-22 or FR-44 filings. We work with Florida carriers that do and handle the filing for you.
A captive agent sells one company’s products. We represent dozens of carriers, so we can shop the market and find the policy that actually fits your situation.
Our office is at 702 Leeland Heights Blvd W in Lehigh Acres, and we serve Lehigh Acres, Fort Myers, Cape Coral, Bonita Springs, Estero and Naples. You’re not a policy number. You’re a neighbor.
Butch Swank built this agency on one idea: change the way people feel about their insurance agency. Our team treats every client like family.
Butch serves on the Board of Lehigh Regional Medical Center and co-founded the East Lee Education Cooperative, and Mary sits on the Board for Lehigh Community Services. We don’t just work here. We live here.
Share who drives, what you drive, your driving history and the coverage you have today.
We shop multiple insurance companies and lay out the differences in coverage and price in plain language.
Pick the policy that fits. We take care of the paperwork and stay your point of contact for changes, renewals and claims questions.
Tell us what your FLHSMV notice requires, and we’ll find a carrier, file the certificate and help you keep it in place.
