Virginia SR22 INSURANCE
Virginia SR22 INSURANCE
VIRGINIA SR22 INSURANCE
SR-22 requirements in Virginia are a little different from most other states. While most states have one form required for high-risk drivers that have violated certain laws, Virginia has two financial responsibility certifications: SR-22 and FR-44. The form you need to file depends on your conviction.
FR-44 and SR-22 insurance in Virginia and elsewhere are not types of auto insurance policies. FR-44 and SR-22s are forms that your insurer files with the state on your behalf to prove your insurance policy coverage complies with Virginia’s minimum requirement.
An SR-22 is necessary for drivers with serious driving violations, like driving while uninsured. FR-44 forms are used for violations related to driving under the influence of alcohol or drugs.
- What is SR-22 Insurance Virginia?
- What is FR-44 Insurance Virginia?
- What’s the difference between an SR-22 and an FR-44 in Virginia?
- When do you need an SR22 in Virginia?
- When do you need an FR44 in Virginia?
- How Do You Get SR-22 and FR-44 Insurance in Virginia?
- Non-Owner SR-22 and FR-44 Insurance in Virginia
- SR-22 insurance limits in Virginia
- FR-44 insurance limits in Virginia
What is SR-22 Insurance Virginia?
Contrary to popular belief, SR-22 forms are not insurance at all. Rather, an SR-22 form is a special certificate that is filed with your state’s Department of Motor Vehicles which signifies that you hold the minimum auto insurance required by your state
To receive an SR-22 certificate in Virginia, drivers will first need to provide proof of financial responsibility. This is typically done by obtaining a high-risk insurance policy. Once you have a qualifying insurance policy in place, notify your carrier of the SR-22 requirement. After they have completed the form, they should submit it to the Virginia Department of Motor Vehicles where it will remain on-file for at least three consecutive years.
What is FR-44 Insurance Virginia?
FR-44 certification is required for the following convictions:
- Driving while under the influence
- Driving while under the influence of intoxicants or drugs
- Driving while the driver’s license has been forfeited for a conviction
- Violation of the provisions of any federal law or law of any other state or any valid local ordinance similar to the above
How Do You Get SR-22 and FR-44 Insurance in Virginia?
Your insurance company submits the FR-44 or SR-22 insurance in Virginia upon your request. However, some carriers may choose not to cover high-risk drivers that need SR-22 or FR-44 insurance. If that’s the case, you’ll have to look for an insurer that offers this service. Typically, insurers that accept policyholders with serious traffic violations charge higher rates.
Non-Owner SR-22 and FR-44 Insurance in Virginia
In some cases, a driver who does not own a vehicle may need to acquire an FR-44 or SR-22 insurance in Virginia. The most affordable option for a driver who doesn’t own a car but regularly rents or borrows one is non-owner SR-22 car insurance in Virginia. This policy is cheaper than policies for car owners and is a great way to save if you don’t own a car.
The property damage will provide coverage for the driver and
whomever is driving the vehicle in the case of an accident.
If you or a family member are driving and involved in a accident the insurance company will pay for damages occurred from the accident up to $25,000. If there is damages above and beyond that you will be responsible for the remaining money owed.
Regardless of your driving history, we’re here to help. Ready to get started? Sit back, relax,
and discover an easier way to get the coverage you need.
Non-Owner SR-22 and FR-44 Insurance in Virginia
In some cases, a driver who does not own a vehicle may need to acquire an FR-44 or SR-22 insurance in Virginia. The most affordable option for a driver who doesn’t own a car but regularly rents or borrows one is non-owner SR-22 car insurance in Virginia. This policy is cheaper than policies for car owners and is a great way to save if you don’t own a car.
SR-22 insurance limits in Virginia
If you’re required to have SR-22 insurance in Virginia, you’ll be required to have at least the following coverage:
- $25,000 for bodily injury or death per person
- $50,000 for bodily injury or death per accident
- $20,000 for property damage coverage per accident
FR-44 insurance limits in Virginia
If you’re required to have FR-44 insurance in Virginia, you’re required to have double the liability coverage limits than you are with SR-22 insurance. The minimum liability limits for FR44 insurance include:
- $50,000 for bodily injury or death per person in one accident
- $100,000 for bodily injury or death per accident
- $40,000 for property damage coverage per accident
If you have had your license suspended or been labeled a high-risk driver by your state, you may be required to obtain SR22 insurance. It may seem confusing at first, but there is no need to panic. We are here to help and we have developed this resource to help you navigate the process and get you back on the road as quickly and affordably as possible. https://sr22insurance.net/
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