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.