Are you a high-risk driver? Do you have a DUI on your records? It would be best if you thought about SR-22 or FR-44 from Gantt Agency in Farmville, VA. But what’s the difference between the two? What covers what? If you want to know more about these insurance coverages, hang on as we explore.
What is SR-22, and what does it cover?
In its strict definition, SR-22 isn’t a type of car insurance per se. However, it’s not uncommon to hear people refer to it as insurance. SR-22 is proof of financial responsibility. It notifies the state’s motor vehicle department that you carry the required amount of car insurance.
Furthermore, not every driver needs an SR-22. Only high-risk drivers need to invest in SR-22. So, if you have a DUI record, have been caught driving without insurance, or have been at fault for many accidents, you may need SR-22.
What is an FR-44?
Only Virginia and Florida states use FR-44s, also called “DUI insurance.” And just like SR-22, FR-44 isn’t a type of insurance. FR-44 is similar to SR-22, only that it’s specific to DUI cases only.
If you have been charged with DUI in Florida or Virginia, you may need an FR-44, similar to SR-22, but with a minimum of $100,000 liability coverage on your car insurance. The thinking behind this is that DUIs are repeat offenders and likely cause severe injuries and damage on the road. They need higher liability coverage when they are at fault for accidents.
If you have been charged with DUI in Virginia, you are legally required to produce an FR-44 before your license is reinstated.
SR-22/FR-44 Insurance in Virginia
If you are a high-risk driver or have a DUI on your record, you need to invest in SR-22/FR-44 from Gantt Agency. Contact us today for an affordable quote.