Being licensed to drive often means carrying the legally required minimum car insurance. But when you are a high-risk driver for any reason, it becomes necessary to take additional steps, as required under the law. That may include obtaining SR-22/FR-44 coverage.
In situations where you need this type of coverage, finding the right company to work with is essential. At Gantt Agency, we can help those in Farmville, VA get the SR-22/FR-44 insurance they need. Reach out to us for an estimate.
What Does SR-22 Mean?
Though people often seek an SR-22 insurance policy, it is actually not insurance at all. Rather, it is a Certificate of Financial Responsibility that your insurance company must send to the state as proof that you have the legally required insurance in place.
There are various reasons the state may require you to maintain this certificate. Some examples include:
- DUI or OVI convictions
- Driving without insurance
- Reckless driving convictions
- At-fault accidents without active insurance
- Numerous traffic violations
- Driving on a suspended license
A component of this certificate requires the insurance company to report to the state’s Department of Motor Vehicles any situation in which your coverage lapses. For example, if you lose your coverage due to non-payment, the insurance company must notify the state of that loss of coverage. This may limit your ability to maintain your license.
Obtaining this coverage is essential, Maintaining it is just as important. For that reason, make sure you purchase a policy that fits your requirements and keeps your budget in mind. At Gantt Agency, we can help you determine the type of coverage you need and help you obtain the necessary SR-22/FR-44 insurance documentation you need in Farmville, VA. Request a quote for coverage from our team now to learn what we can do to help you.
