Blog Posts

This is the Blog Posts for UltraCar Insurance. Your source for SR22 & FR44 Insurance.

Female driver in a white car thinking about getting Oregon non-owner insurance.

What to Know About Oregon Non-Owner Insurance

Do you occasionally drive a borrowed vehicle and have a suspended license? If so, you must file an Oregon non-owner insurance certificate (an SR-22 form) to regain driving privileges. This blog post tells you what you should know to reinstate your license when you don’t own a car.

Obtaining Oregon non-owner insurance is crucial if you occasionally borrow a vehicle and have a driver’s license suspension. This auto insurance policy, attached with an SR-22 form

New car with the required insurance coverage traveling down a road.

Required Insurance Coverage for New Cars

There’s much to consider when buying a new vehicle, including how to pay for it (finance, lease, upfront payment) and getting the required insurance coverage for new cars. Insurance coverage for new cars can be more complicated for drivers needing SR-22 or FR-44 insurance. If your current insurance policy is inadequate, a licensed high-risk insurance provider will guide you through getting the necessary insurance with an SR-22 or FR-44 certificate filing.

Getting the required insurance coverage for new cars may not be the first thing on your mind when looking for a vehicle.

In Florida, there's a difference between non-owner SR22 and non-owner FR44 insurance for license reinstatement.

Differences Between Non-Owner SR22 & Non-Owner FR44 Insurance

When you don’t own a vehicle and want to reinstate your driver’s license, do you know what kind of insurance you’ll need? For license reinstatement, you must buy an auto insurance policy with a non-owner SR22 or non-owner FR44 certificate endorsement. In Florida, there are differences between the two certificates.

When you want to reinstate your driver’s license and don’t own a vehicle, it will help to know the differences between non-owner SR22 and non-owner FR44 insurance.

An SR-22 provider in Oregon offering an insurance policy.

7 Things To Know When Choosing An SR-22 Insurance Provider in Oregon

There’s much to know about choosing an SR-22 insurance provider in Oregon. However, for most people, the overriding factor is the cost. A licensed high-risk auto insurance provider will identify the lowest rate for your specific case.

Do you need an SR-22 certificate to reinstate your driver’s license or maintain your driving privileges?

A man with high-risk auto insurance in Oregon driving a car.

How To Get High-Risk Auto Insurance In Oregon

High-risk auto insurance in Oregon is another name for SR-22 insurance. Drivers with a license suspension need this insurance to reinstate their driving privileges. The SR-22 filing certifies that the driver’s insurance policy meets the state’s minimum liability coverage requirements. It’s usually more costly than standard/preferred auto insurance.

If you have a driving-related offense, the state will require you to carry high-risk auto insurance in Oregon. It requires attaching an

A young woman driving a car with Virginia FR-44 insurance.

Responsible Driving: What is “Legally Drunk” In Virginia?

A BAC of 0.08% indicates being legally drunk in Virginia. However, because of many variables, there is no clear way to know how many drinks it takes to reach a BAC of 0.08% for every person. An officer can charge someone with a DUI if their driving ability is visibly impaired – even if their BAC is lower than 0.08%.

What does it mean to be legally drunk in Virginia? A basic definition of drunk driving is when a driver illegally operates a vehicle when their blood

Car damage that requires SR-22 or FR-44 auto insurance.

How To Get The Right Kind of Auto Insurance

States have minimum auto insurance coverage requirements, meaning you can’t legally drive without carrying liability insurance. Car insurance financially protects you if you cause an accident. But there are a variety of insurance types and options, so how do you get the right kind of auto insurance? Understanding the different types of insurance and coverage options will help you select the best policy.

If you need SR-22 or FR-44 insurance to reinstate your license, you should think about the right kind of auto insurance options for you now.

Florida driver with FR-44 insurance.

Factors That Affect Your FR-44 Insurance Rates

Are you looking for affordable Florida FR-44 insurance rates? A DUI license suspension in Florida requires filing an FR-44 insurance certificate for reinstatement. Factors to consider about that filing are rate affordability and policy coverage.

In most states, an SR-22 certificate proves you have valid auto insurance. In two states, however, high-risk FR-44 insurance is specifically for DUI-related violations and reinstatement.

driving in Florida

Florida License Reinstatement Made Easy

The state will suspend your license for accumulating many points on your driving record or getting a drunk driving conviction. Florida license reinstatement can be easy or challenging, depending on the circumstances of your suspension. Regardless, you’ll need Florida SR22/FR44 insurance to get back on the road.

Anyone who has lost their driver’s license knows that getting Florida license reinstatement quickly is a top priority. When you lose driving privileges,

A person drinking and driving will need Oregon SR-22 insurance.

Get Back On The Road After An Oregon DUI License Suspension

An Oregon SR-22 insurance filing is necessary to restore your driving privileges after an Oregon DUI license suspension. This involves endorsing an SR-22 certificate to an auto or non-owner insurance policy. High-risk auto insurance providers like UltraCar Insurance offer policies that meet minimum SR-22 liability coverage requirements and file the certificate for you.

Getting an Oregon DUI license suspension is frustrating since you lose