In Virginia there are two types of high risk insurance certificate: SR22 and FR44. If your license suspension is for a violation that’s not related to alcohol or drugs, you’ll file a Virginia SR22 certificate for reinstatement.
If you intend to drive a vehicle after license suspension, you’ll need Virginia SR22 insurance. This form will ensure that your insurance policy coverage complies with Virginia State’s minimum liability coverage requirement. UltraCar Insurance will file the Virginia SR22 insurance form for you if you ever need it. It’ll need to be filed in cases of serious driving violations and other violations like driving while uninsured.
There are some non-owner insurance coverage limitations that you should know like:
- If you’ve got a non-owner teenager, you cannot use the Virginia SR22 insurance policy as a cheaper insurance alternative.
- You cannot claim the towing charges in this policy
- The insurance does not cover commercial or rental vehicles, frequently borrowed vehicles, or any vehicles in your household.
- Employment-related vehicles are also not covered.
The Virginia SR22 insurance form will help you continue driving after reckless driving, driving without insurance, or driving with a suspended license. You’ll need to maintain Virginia SR22 insurance status for three years, depending upon the severity of your conviction based on owner or non-owner status. Get competitive and affordable rates for Virginia SR22 insurance as a car owner and a non-car owner only at Ultra Car insurance!
Why do I need to file an SR22 form?
The Virginia DMV notifies you when it suspends your license, and lets you know how to get a Virginia SR22 filing. The most common reasons for driver’s license suspension include:
- Uninsured or under-insured driving
- Multiple motor vehicle violations
- DUI/DWI violations
- Court judgments
How do I get an SR22 certificate?
If you own an insured car or motorcycle, contact your current insurance provider. In some cases they may not be able or willing to file an SR22 on your behalf. In that case, you’ll have to find a company to issue an insurance policy with an SR22 attachment. UltraCar Insurance agents have years of experience providing high-risk insurance, and each has a license to sell insurance in Virginia.
How does Virginia SR22 insurance work?
Virginia SR22 insurance is a financial responsibility form that guarantees you will be insured for a future period of time. When you have a suspended license, insurance companies consider you a high-risk driver. In addition to that, the state considers it essential for you to carry minimum liability insurance for a time, in exchange for reinstating your license.
The minimum liability coverage requirements for all drivers (including those who have SR22 insurance) are:
- $30,000 bodily injury or death per person
- $60,000 bodily injury or death per accident
- $20,000 property damage per accident
- $30,000 per person / $60,000 per accident for uninsured motorist bodily injury
- $20,000 for uninsured motorist property damage
You must file an SR22 with the Virginia DMV to reinstate your license. Usually, you’ll need to maintain Virginia SR22 insurance for three years. If the insurance policy tied to the SR22 lapses, the state will suspend your license again. You can then submit another SR22 filing, which involves additional reinstatement fees. The state may also extend your SR22 requirement at that time. It’s in your best interest to make your SR22 premium payments in a timely manner and renew your policy early.
Can I get an SR22 without a car?
There are two kinds of Virginia SR22 insurance certificate: owner and non owner. If you own a vehicle, your insurance provider attaches the SR22 certificate to your auto insurance policy. If you don’t own a vehicle, you’ll buy a Virginia non owners insurance policy with an SR22 endorsement. See Non Owner SR22 vs SR22 Insurance for more information about these two kinds of certificates.
How much does Virginia SR22 insurance cost?
Before filing your SR22 Virginia certificate, the state will require you to pay license reinstatement fees and/or other fines and fees. Your insurance provider will charge a small fee for processing and filing your certificate, and your insurance premiums may increase. A number of factors affect how SR22 insurance costs are determined, including the circumstances that led to your SR22 requirement.
You’ll find helpful information about reinstating your driving privileges on the Virginia DMV website.
Choose UltraCar Insurance to find the right SR22 policy and lowest rate for you. Click the button to start your Virginia SR22 insurance quote now, or call to speak with an agent today!
NOTE: If you have a license suspension as a result of DUI/DWI violation, we’ll be glad to help you reinstate your driving privileges with a Virginia FR44 Insurance filing.
This article was last updated on January 12th, 2023 by UltraCar Insurance