Category: Auto Insurance

If you’re a resident of Farmville, VA, and you’ve been involved in various traffic violations, you may be required to obtain and carry SR-22 or FR-44 insurance. These certify fiscal responsibility and are typically mandated. Often, SR-22 and FR-44 insurance requirements are mandated by the Virginia Department of Motor Vehicles, or the DMV, to prove that you can drive on the road with minimum liability insurance required by the state of VA. At Gantt Agency, we can help you learn more about SR-22 and FR-44 insurance requirements if you’ve previously received traffic violations in the state.

What is SR-22 and FR-44 Insurance?

FR-44 Insurance applies to more serious traffic offenses, such as DUI-related accidents or incidents. In standard cases, FR-44 insurance requires higher liability coverage limits and is more expensive than SR-22 insurance policies.

SR-22 insurance, on the other hand, is an insurance policy that may be required for drivers who have been convicted of reckless driving, driving without insurance, or even a first-time DUI (depending on the court and judge). SR-22 insurance verifies that you have proper minimum liability insurance that’s required by Virginia law.

How Long Will I Need SR-22 or FR-44 Insurance?

Typically, in Farmville, VA, you may be required to obtain SR-22 or FR-44 insurance for at least three years (minimum) from the original date of your traffic offense(s). This can be extended if you have additional offenses and violations or if you have not maintained proper liability insurance for your vehicle for years.

Understanding how long you’ll require SR-22 and/or FR-44 insurance in Farmville, VA will depend on your case’s specifics and circumstances. If you have been mandated to obtain SR-22 and/or FR-44 insurance and want to know more about your options, we can help. Contact Gantt Agency to speak with one of our qualified insurance agents today.

Most Virginia drivers are unaware of SR22 or FR44 forms. However, some individuals are familiar with them, especially after being charged with a DUI or other major driving infractions. The staff at Gantt Agency in Farmville, VA, can assist with explaining the importance of filing the required paperwork.

What is an SR22 Form?

After being charged with a DUI, you must file an SR22 form with your insurance provider. Afterward, the paperwork will be forwarded to the Virginia Motor Vehicle Department for verification. The function of the form is to declare you a high-risk driver and confirm maintaining the state’s minimum auto insurance requirements. The law requires your insurance provider to contact the DMV if there is any lax in time with your policy.

What is an FR44 Form?

In Virginia, legal officials may require you to file an FR44 form after being charged with a DUI or caught driving with a suspended license. The form requires a person to hold higher liability coverage on their auto insurance policy. After filing an FR44 form, you must have $40,000 property liability coverage, $50,000 bodily injury liability coverage, and $100,000 accident liability coverage added to your current policy. The dollar amount is substantially higher than the state’s minimum requirement.

The Difference Between SR22 and FR44 Forms

The difference between the SR22 and FR44 forms is the wording of each document. SR22 is mandated, while a court reserves an FR44 for charged individuals. Also, the auto insurance liability coverage is quite different for each form. However, the required time for each is about the same (3-5 years for most cases). 

If you are unsure what the next step is after being required to file an SR22 or FR44 form, call Gantt Agency in Farmville, VA, for assistance. Our staff never underestimate the importance of filing such paperwork with the DMV. We can guide you through the process and provide the best options for your insurance needs. Call and schedule an appointment today. 

In all states, auto insurance is required, but the amount of that insurance is different from state to state. Some states also allow for a different type of proof of financial responsibility for accidents in lieu of insurance. However, most people go the auto insurance route to show their financial responsibility. If you need enough auto insurance to keep your vehicle legal, give us a call at Gantt Agency in Farmville, VA to find out more. 

Financial Responsibility Certificate

Because each state has its own auto coverage laws, there are very specific types of coverage and amounts of coverage that you must have. If you get auto insurance that is at least these amounts, you can get an SR-22. This isn’t really a form of insurance- it’s a certificate that you are given for having at least the minimum amount of insurance coverage required by your state. This form may be required for you to be able to drive legally. 

FR-44 Forms

Like the SR-22, the FR-44 form is a certificate that proves that you have enough auto insurance to legally drive in the state. For this form, you usually have to have a higher amount of liability coverage than is required by the state. While SR-22 can be granted for meeting the state minimums, you generally have to add coverage onto your policy for liability in order to get an FR-44. 

SR-22/FR-44 Requirements

States often require a driver to have one of these forms because they have had certain driving violations such as reckless driving or DUI. If the state requires you to have one of these forms, you will be notified by them. 

Get Insured

Another reason that you might need one of these forms is that you went without insurance and caused an accident. To avoid this, you need auto insurance. Call us at Gantt Agency in Farmville, VA.

At Gantt Agency, our many Farmville, VA area customers regularly ask us about the limitations on their car insurance policies. They’ve likely heard this term before but are not aware of what it refers to. As a result, it is crucial to carefully consider these points and find an option that works for you. 

What are Car Insurance Limits?

Your auto insurance will cover liability and auto repair up to what is defined as a limitation or limit. In other words, your policy has a maximum payout that it will cover before you have to pay the rest. Thankfully, this limit is set relatively high to help ensure that most issues are easily covered. 

Limitations may also refer to things that your auto policy will not cover. Typically, these elements include maintenance issues that you should have spotted, such as problems with a transmission that you failed to repair. It may also include things that you do to your vehicle outside your policy. 

For example, people who perform various DIY repairs may find that these fixes do not get covered by their insurance. That’s because an unlicensed mechanic (i.e., you) performed these repairs. In this situation, you may be limited on what kind of coverage that you can get and may even end up invalidating your policy and struggling to get coverage for a broad range of issues. 

Finding a Policy That Works 

Please don’t hesitate to contact us at Gantt Agency serving Farmville, VA, right away to learn more about your insurance options. Our team is skilled at helping people like you understand what policies are necessary for their vehicle. We’ll then work directly with you to find a payment plan that makes sense, giving you the kind of help needed to minimize any complications in the future. 

People that are in the Farmville, VA area will almost always benefit by owning a car. With a vehicle, you are going to have an easier time getting around town and enjoying all that the area has to offer. If you want to get a car in this area, you should also consider your insurance needs. There are a few reasons that you should get a new auto insurance plan here. 

Coverage Protects Your Vehicle

If you are a car owner in this area, it is likely something that you rely on to get to and from work and complete other tasks. Due to this, you need to ensure that you keep quality insurance protection on it. With a collision and comprehensive plan, you will continue to have the proper coverage that can help you repair or replace your vehicle in a variety of situations. 

Comply with Law

You should also get an auto insurance plan to ensure you comply with the law in your area. In Virginia, all drivers need to carry liability insurance. If they do not have this protection, they will be in violation of the state law and can be penalized. Further, they will need to cover any damages caused out of pocket if they are responsible for an accident. 

Having an auto insurance plan in the Farmville, VA area is a necessity for practically any car owner. If you are in the market for a new insurance plan in this area, it would be helpful to call the Gantt Agency. There are a lot of factors to consider as you are shopping for coverage for your vehicle. Gantt Agency can help you assess your situation and give any support that is needed to choose an appropriate plan that will meet your needs. 

For 20 years, Gantt Agency has served the Farmville, VA community, and the surrounding areas by providing different insurance coverage types. We strive to make sure that all of our clients receive the outstanding customer service that they deserve. Regardless of your insurance needs, we will help you find a solution.

Auto Insurance

Auto insurance covers you in the event of unforeseen circumstances. The policy will protect you if you are involved in an accident or if someone vandalizes your vehicle. Auto insurance protects so that you can navigate the roads with some security. While researching different auto insurance policies, here are some variables to consider.

Driving Frequency

If you do not drive regularly, the type of coverage you need may differ from someone who puts a lot of miles on their vehicle.

Having Good Credit

Your credit score is an often overlooked variable when it comes to discussing auto insurance policies. If you have a good credit score, it will impact your auto insurance coverage.

The Type Of Vehicle That You Drive

If you drive a sports car or a luxury car, your policy may include different coverage compared to other cars. The make-up of your car is another variable to consider. For example, if you have an up to date security system in your vehicle, your policy will reflect that.

Own or Lease

The terms of your policy may adjust based on whether you own or lease the vehicle you are trying to get insured.

Gantt Agency Can Help You

Every driver is different. That’s why we will sit down with you and assess your situation to find the auto insurance coverage you need. Please stop by our office in Farmville, VA.