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Farmville, VA 23901

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What is the Difference Between SR22 and FR44?

Most Virginia drivers are unaware of SR22 or FR44 forms. However, some individuals are familiar with them, especially after being charged with a DUI or other major driving infractions. The staff at Gantt Agency in Farmville, VA, can assist with explaining the importance of filing the required paperwork.

What is an SR22 Form?

After being charged with a DUI, you must file an SR22 form with your insurance provider. Afterward, the paperwork will be forwarded to the Virginia Motor Vehicle Department for verification. The function of the form is to declare you a high-risk driver and confirm maintaining the state’s minimum auto insurance requirements. The law requires your insurance provider to contact the DMV if there is any lax in time with your policy.

What is an FR44 Form?

In Virginia, legal officials may require you to file an FR44 form after being charged with a DUI or caught driving with a suspended license. The form requires a person to hold higher liability coverage on their auto insurance policy. After filing an FR44 form, you must have $40,000 property liability coverage, $50,000 bodily injury liability coverage, and $100,000 accident liability coverage added to your current policy. The dollar amount is substantially higher than the state’s minimum requirement.

The Difference Between SR22 and FR44 Forms

The difference between the SR22 and FR44 forms is the wording of each document. SR22 is mandated, while a court reserves an FR44 for charged individuals. Also, the auto insurance liability coverage is quite different for each form. However, the required time for each is about the same (3-5 years for most cases). 

If you are unsure what the next step is after being required to file an SR22 or FR44 form, call Gantt Agency in Farmville, VA, for assistance. Our staff never underestimate the importance of filing such paperwork with the DMV. We can guide you through the process and provide the best options for your insurance needs. Call and schedule an appointment today.