SR22 insurance Virginia is a high risk insurance certificate required for license reinstatement after a license suspension. You’ll choose a licensed insurance provider like UltraCar Insurance to file your certificate with the Virginia Department of Motor Vehicles (DMV). If you own a vehicle, the SR22 form is an endorsement to your auto insurance policy. When you don’t own a car, the form attaches to a non-owners insurance policy. Your policy must remain active for a time the state determines (three years in most cases). If there is any lapse in coverage or cancellation of the policy, your insurance provider immediately notifies the Virginia DMV by filing an SR26 form. This results in a repeat suspension of your driver’s license.
SR22 insurance without a vehicle
There are two certificate options for SR22 insurance Virginia: owner or non owner insurance. You’ll purchase an owner insurance policy if you own a vehicle, or a non owner policy if you don’t own a vehicle. Non owner SR22 insurance Virginia is generally less expensive than owner SR22 insurance. Virginia non owners insurance is also for individuals who want to have insurance coverage if they drive a non owned vehicle on occasion.
NOTE: In Virginia, SR22 insurance is for license reinstatement after offenses not related to alcohol or drugs. If you have a DUI conviction, you’ll require a Virginia FR44 insurance certificate to reinstate your license. Learn more about the difference between SR22 and FR44 insurance.
Motor vehicle violations that result in license suspension:
- Excessive points on a DMV record
- Driving without insurance
- Reckless driving
- Uninsured accident
- Child support cases
- Drug violations
- Legal judgments
Learn more about reinstating your Virginia driver’s license on the Virginia DMV website.
Let UltraCar Insurance help you get an SR22 insurance Virginia policy at a low rate. Click the button to start your Virginia SR22 insurance quote, or call us today!
This article was last updated on January 7th, 2022 by UltraCar Insurance