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What is a SR22 Insurance Virginia ?
An SR22 is not really an insurance policy. An SR22 is a form that your insurance provider will file with the Virginia Department of Motor Vehicles that states that you have acquired an auto insurance policy with the insurer that at minimum meets the state of Virginia’s minimum auto insurance coverage limits.
What are Virginia’s minimum SR22 insurance coverage limits?
Virginia’s minimum SR22 coverage is as follows:
- Bodily injury or death of a person: $25,000
- Bodily injury or death of more persons: $50,000
- Property damage: $20,000
When you speak with an insurance provider or on the insurance policy these limits will be noted as such: 25/50/20. These limits are only the state’s minimum liability requirements. It is not recommended that you follow these limits. For example the $20,000 in property damage coverage is for covering the other vehicle or any other property damaged as the result of an accident.
If you get into an accident and you are responsible and the other vehicle is a $70,000 Mercedes, a policy that meets the state minimum for property damage does not cover the entire replacement cost of the vehicle.
How Long is the SR22 Filing Requirement in Virginia?
No matter what the reason is for you needing to maintain an SR22 filing with the Virginia DMV, you are required to maintain the filing for 3-years. If at any time during the 3-year required filing period if there is a lapse in your SR22 insurance Virginia your provider is obligated to inform the Virginia DMV of your lapse in coverage.
If this happens the D.M.V. is going to send you a “Notice of Suspension” letter telling you that your Virginia driver’s license has been suspended and in order to reinstate your driver’s license you will need to bring your insurance policy current and have your insurance provider file another SR22 bond with the Department of Motor Vehicles. You will also be required to pay an additional driver’s license reinstatement fee to the D.M.V.
Who needs an SR22 filing in Virginia?
An SR22 filing is required for the following convictions:
- Too many tickets
- Uninsured motor vehicle suspension
- Failure to provide proof of insurance
- Unsatisfied judgments
- Reckless driving
- Voluntary or involuntary manslaughter
- Falsifying insurance documentation
What is the difference between an SR22 & FR44 in Virginia?
An SR22 filing is a financial responsibility form that meets the state’s minimum auto insurance requirements. An FR44 filing is a financial responsibility certification that is double the minimum liability requirements of an SR22 filing.
The minimum SR22 insurance coverage limits in Virginia are 25/50/20 and the minimum FR44 insurance coverage limits in Virginia are 50/100/40.
Who is required to file an FR44 in Virginia?
An FR44 filing is required for the following convictions:
- Maiming another person while under the influenceDriving under the influence of drugs or intoxicants
- Driving while your driver’s license has been forfeited due to a previous conviction
Can I get a restricted driver’s license in Virginia?
Depending on the reason for your driver’s license getting suspended you may be eligible to petition the court to grant you a restricted driver’s license. For more information regarding a restricted license please visit the restricted driving privileges page on the Virginia DMV’s website.
How much is an SR22 Insurance Virginia?
You should expect your auto insurance premiums to increase between 3 to 5 times what you would pay for a regular auto insurance policy. For example if your auto insurance cost you $50 per month before your being required to file an SR22 with the DMV you can expect them to be anywhere from $150 to $250 per month for an SR22 insurance policy. You can keep your SR22 costs as low as possible by getting multiple Virginia SR22 insurance quotes through our competitive network.
Where can I find a Virginia DMV office?
The Virginia Department of Motor Vehicles has numerous locations throughout the state. To find an office near you please visit the Virginia DMV office finder.
What happens if I fail to keep my Virginia SR22 insurance policy current?
If you fail to keep your SR22 insurance in Virginia current will result in your Virginia driver’s license being suspended by the DMV a second time. If this happens you will need to bring your SR22 insurance premiums current with your insurer and then have them file another SR22 form with the Virginia DMV. On top of that you will have to pay the DMV an additional driver’s license reinstatement fee before being issued another license.
If you do not follow the steps outlined above you may face several other consequences. For example:
- If you decide to continue driving on a suspended license and get pulled over you risk additional fines and penalties for driving on a suspended license including having your vehicle impounded for 90-days
- Driving without valid proof of insurance also carries a heavy fine in Virginia.
How do I avoid a lapse in my Virginia SR22 coverage?
The easiest way to avoid a lapse in your Virginia SR22 insurance coverage is to start by finding the lowest cost SR22 insurance policy in the state of Virginia from the start. People are often shocked when they get a Virginia SR22 insurance quote from us and see how much they can save over what they had been paying for their SR22 insurance policy. Do yourself a favor and get a quote now and see how much we can help you save on your SR22 insurance in Virginia.
What is the Cost of SR22 Insurance Virginia?
The Virginia Department of Motor vehicle requires that all motor vehicle owners provide a proof of having minimum insurance coverage limits which is enough to cater for injuries or damages that have been cased. The affected person is required to ask his or her insurance company to write directly to the state’s department of motor vehicle. There are two kinds of certifications regarding financial responsibility in the state of Virginia: the FR44 and SR22. AN SR22 certification is required in instances where the license of a driver has been suspended, where there are unsatisfied judgments and where the applicant has committed an offense which is punishable under the laws that govern motor vehicles.
Others include when a driver causes an accident which results in the death of another person, if a driver doesn’t stop at an accidents scene or fails to identify himself or herself, voluntary manslaughter as a result of negligence when driving a motor vehicle and making false statements to the department of motor vehicle. Nonetheless, people who falsify their insurance certifications will be required to obtain SR22 insurance Virginia and this requires minimum limits for state liability. People who drive with a blood alcohol level of 0.8 or higher are charged for a DUI offense. A DUI covers the use of drugs, alcohol and other products that causes intoxication of the driver, therefore impairing on the driver’s ability to operate the motor vehicle in the right way.
The limits of SR22 Insurance Virginia are as follows:
- An amount of $25,000 for death or bodily injury in case of an accident.
- $50,000 for death or injury of two people who have been injured in an accident.
- $20,000 for damages which have been caused to property.
- Alternatively, the owners of motor vehicles can show a proof of bond or surely by depositing money or any other acceptable security with Virginia’s Department of Motor Vehicles.
However, SR22 should be renewed after some time, therefore its imperative to ensure that you maintain a good driving record. If your SR22 auto approved insurance lapses, gets cancelled or expire, the insurance company will act by notifying the state. At this particular point, the state may suspend your driver’s license and limit your ability to drive a motor vehicle. It really helps that you try your best to maintain the conditions that come with this kind of certification because failure to do this could prove to be a costly affair.
As a matter of fact, it costs more to have an SR22 in the state of Virginia. The amount of filing fees is around $25 depending on the exact kind of certificate which you may require. A higher amount will be required from those who want to buy guarantees that are higher than the stipulated liability limits.
In some instances, the laws that govern SR22 insurance Virginia can be complicated; therefore it’s of great essence that you enlist for the support of a qualified and experienced insurance agent. These experts will not only help you know how you can save money, but also ensure that your driving privileges are protected.