FRIDAY, SEPTEMBER 16, 2022
SR-22 is often referred to as a type of insurance, but it actually refers to a form your state may request proving that your auto insurance policy meets minimum liability coverage requirements. In Virginia, SR-22 is also called FR-44. Other states may call it a certificate of financial responsibility.
Who Needs SR-22?
Unless you receive a request from Virginia’s Department of Motor Vehicles or a judge, you don’t have to worry about filing SR-22. If you must file the form, you’ll receive written notice. You may need to file SR-22 under the following circumstances: 
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You have multiple traffic offenses.
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You were found guilty of a serious traffic offense.
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Your license was revoked or suspended, and you’d like to reinstate it.
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You caused an accident and did not have insurance.
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You were convicted of driving under the influence (DUI) or driving while intoxicated (DWI).
How Much Is SR-22?
The fee for filing an SR-22 form varies by state. Additionally, your insurer may charge a small fee to file the form, depending on their rules.
Auto insurance premiums are set using information about you, your vehicle, your claims history and your driving record. After a serious traffic offense, license revocation or suspension, a DUI conviction or multiple traffic offenses, expect your insurance premiums to rise.
You don’t need to wait until you have a good driving record to shop around for auto insurance. Talk with your agent to learn more about how to get the auto coverage you need. If you don’t have a vehicle registered in your name, non owner liability insurance may be a good fit for your situation.
Contact Us
Contact HIS Insurance & Service in Winchester, Virginia, for more information about how to file SR-22 or to get a quote for high-risk insurance.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.
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NOTICE: This blog and website are made available by the publisher for educational and informational purposes only.
It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional
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