Who is Required to Obtain SR-22/FR-44 Insurance?
If you have been told you are required to carry an SR-22 or FR-44, you may be wondering what that actually means. These are not standalone insurance policies. Instead, they are state-required certificates that verify you are carrying the minimum, or in some cases higher, auto insurance coverage following certain driving violations. If you need assistance with an SR-22 or FR-44 filing, Gantt Agency proudly serves drivers in Farmville, VA.
What Is an SR-22?
An SR-22 is a form filed by your insurance company with the state to confirm that you have active auto insurance coverage. It is typically required for drivers considered high risk following serious driving violations. Common reasons an SR-22 may be required include:
- Driving without insurance
- Reckless driving
- DUI or DWI convictions
- License suspension or revocation
- Multiple traffic violations within a short period
- Being involved in an accident while uninsured
In most cases, the SR-22 requirement lasts approximately 3 years, though the exact timeframe varies by state.
What Is an FR-44?
An FR-44 is similar to an SR-22 but requires higher liability coverage limits. It is most commonly required in states such as Virginia and Florida following more serious offenses. Drivers may be required to file an FR-44 after a DUI or DWI conviction or repeated severe violations. Because of the increased liability limits, FR-44 filings are generally more expensive than SR-22 filings.
Who Is Required to File an SR-22 or FR-44?
You may be required to obtain an SR-22 or FR-44 if:
- A court orders the filing after a driving violation
- Your state DMV requires it for license reinstatement
- You are classified as a high-risk driver
- You are seeking to reinstate driving privileges after a suspension
Understanding SR-22 and FR-44 requirements is essential when they are legally mandated. If you need guidance with an SR-22 or FR-44 filing, Gantt Agency is here to help. For experienced assistance serving Farmville, VA, contact Gantt Agency today to schedule your consultation.
