- Unveiling the Key Differences Between SR-22 and FR-44 Insurance
- Understanding FR-44 Insurance and How It Differs from SR-22
- Difference Between SR22 FR44: What is an SR22 Filing?
- Frequently Asked Questions about The Difference Between SR22 & FR22
- What is the difference between SR22 and FR44 insurance?
- How does A Plus Insurance assist clients in obtaining SR22 or FR44 coverage?
- Need personalized assistance? Call us now at 1.888.445.2793
- What We Do at A Plus Insurance
- Best Home and Auto Insurance Policies for New Homeowners
Understanding FR-44 Insurance and How It Differs from SR-22
FR-44 insurance, sometimes referred to as fr44, is used exclusively in Florida and Virginia, unlike SR-22 insurance, which is used in various states. Both are certificates of financial responsibility, not types of insurance policies, and they verify that the policyholder meets the state-mandated liability insurance requirements and state regulations, providing necessary coverage.
FR-44 insurance is required for reinstating a driver’s license following a high-risk incident like a DUI, DWI, traffic violation, or speeding conviction. Your auto insurance company, such as GEICO, manages the filing process for this certificate, whether it is an FR-44 or an SR-22, with your state’s DMV on your behalf, particularly in states like Virginia and Florida. In Florida, if you are convicted of DUI or driving under the influence of drugs or other intoxicants, you must maintain FR-44 insurance for three years before your license can be reinstated.
In Virginia and Florida, FR-44 insurance is required for similar reasons, including violations of federal law, state law, or local ordinances, driving under the influence of alcohol or drugs, driving with a forfeited license due to a conviction, and maiming while under the influence, much like SR-22 insurance in other states. The certificate must be maintained for three years.
The filing fee for an FR-44 certificate ranges from $15 to $25, but the overall cost depends on factors such as age, gender, location, marital status, and vehicle type. Since FR-44 insurance is for high-risk drivers, it typically costs more than standard insurance. Understanding the difference between SR-22 forms and FR-44 insurance can help you navigate the requirements and find the best coverage for your needs, especially if you reside in a state like Florida.
Difference Between SR22 FR44: What is an SR22 Filing?
This too is a Certificate of Financial Responsibility, often referred to as an FR-44 or fr44. It is not an insurance, but it is required to comply with state regulations. This is a document that once again your auto insurance company, such as GEICO, will file to the DMV verifying that you have an insurance policy that meets the state’s minimum liability coverage or financial responsibility requirements, often through the use of sr-22 forms, and assists in the filing process.
SR22 is going to be required if:
- You have been convicted of DUI or DWI and require an SR-22 (not including the states Florida and Virginia because of the fr-44)
- If your license has been suspended by the DMV, you may need to get an sr-22
- If you have committed serious or high-risk driving violations.
- You have been cited for failing to keep up with your auto or liability insurance coverage in the past, especially in states like Florida, where an sr-22 might be necessary
So, to narrow it down, the main differences between the two, is FR44 is an insurance certificate that is for DUI or DWI violations and SR22 certificate is going to be for non-alcohol related motor vehicle violations, such as a traffic violation like speeding, with varying levels of sr-22 coverage, particularly in states like Virginia and Florida.
For both, the certificate is because you are now considered “high-risk” and you will go through your insurance provider or companies like GEICO to get you an SR-22 certificate or FR-44 certificate from the Virginia or Florida DMV, which may include liability coverage insurance, sr-22 forms, and a detailed filing process as required by state regulations.
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Difference Between SR22 FR44
Frequently Asked Questions about The Difference Between SR22 & FR22
What is the difference between SR22 and FR44 insurance?
SR22 and FR44 are both types of financial responsibility certificates, but they differ in the level of coverage. FR44 is generally required for more serious violations, such as DUI offenses, and often involves higher liability coverage than SR22.
How does A Plus Insurance assist clients in obtaining SR22 or FR44 coverage?
A Plus Insurance helps clients obtain SR22 or FR44 coverage by shopping multiple carriers. We compare quotes to find affordable options that meet the specific requirements of each client based on their driving history.
Need personalized assistance? Call us now at 1.888.445.2793
For personalized assistance or to learn more, call us at 1.888.445.2793. Our knowledgeable team is ready to answer your questions about SR22 and FR44 insurance.
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Homeowners, renters, and mobile home owners: make sure you have the protection you need.
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Last Updated on by Camron Moss