If Virginia’s state government determines that you’re a "high-risk" driver, you may need SR-22/FR-44 insurance. This means that your insurer will provide the authorities with a certificate confirming that you have the necessary auto insurance. However, motorists in Farmville, VA, may wonder what type of car insurance they need. Do you need full coverage, or is it adequate to sign up for a basic policy?
Required Coverage
An SR-22 certificate confirms you have auto liability insurance, not "full" collision or comprehensive coverage. The state government only wants to verify that you can compensate fellow drivers if you cause an accident. An FR-44 policy is similar, but it provides twice as much liability coverage. These policies satisfy state requirements while potentially shielding you from lawsuits. However, it’s important to consider obtaining additional insurance that protects your own vehicle, especially if it holds considerable value.
Optional Coverage
Virginia drivers have the option to add other types of auto coverage. You may be required to do so if you have a car loan. Collision insurance typically covers damage to your vehicle in an accident. Think about adding comprehensive car insurance as well. It can protect your car when other types of incidents occur, such as fires, animal strikes, and severe storms. This type of coverage also comes in handy if a criminal steals or vandalizes your vehicle.
If you’re looking for SR-22/FR-44 insurance, turn to the professionals at the Gantt Agency, serving Farmville, VA. Our agency has several locations and benefits from over 35 years of experience. You can rely on our friendly staff to help determine what type of policy you need and make sure the state government receives a certificate confirming you have the correct insurance. To get started, call 434-392-7201 to contact the Gantt Agency.