SR22 insurance Virginia is a high-risk insurance certificate you’ll need to file for license reinstatement. 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. The form is an endorsement to a non-owner’s insurance policy when you don’t own a car. 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
Two certificate options for SR22 insurance in Virginia exist – owner or non-owner insurance. You’ll purchase an owner insurance policy if you own a vehicle and a non-owner policy if you don’t own one. Non owner SR22 insurance Virginia is generally less expensive than owner SR22 insurance. Virginia non-owner’s insurance is also for individuals who want insurance coverage if they occasionally drive a non-owned vehicle.
NOTE: In Virginia, SR22 insurance is for license reinstatement after offenses unrelated 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 back your driving privileges. Are you looking for affordable SR22 insurance Virginia quotes? Call us or click the quote button to get started online today!
This article was last updated on October 18th, 2023 by UltraCar Insurance