FAQ about SR22 Insurance Virginia

If you’re required to carry SR22 insurance Virginia, you might be wondering what it means and why it’s necessary. This quick guide breaks down everything you need to know, from legal requirements to finding affordable options, so you can get back on the road with confidence.

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Frequently Asked Questions
People Say The Nicest Things
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Frequently Asked Questions

About SR22 Insurance Virginia

1. What is SR22 Insurance?

SR22 insurance is a certificate that your insurance company files with the state to prove you meet Virginia’s minimum liability coverage requirements. It’s not a type of insurance itself but a form required for high-risk drivers.

2. Why Do You Need SR22 Insurance in Virginia?

You may need SR22 insurance if you’ve been involved in certain traffic violations, like DUI, driving without insurance, or reckless driving. It ensures compliance with state laws for financial responsibility.

3. How Much Does It Cost to File an SR22 in Virginia?

Filing an SR22 usually costs around $25. However, the real expense is the increase in your insurance premium, which can vary depending on your driving history and other factors.

4. How Long Do You Need SR22 Insurance in Virginia?

Typically, you’ll need SR22 insurance for three years. This duration can vary based on the severity of your violation or additional infractions.

5. What If You Don’t Own a Car?

If you don’t own a car but are required to file SR22, you can opt for non-owner SR22 insurance. This policy ensures compliance while covering you when driving rented or borrowed vehicles.

6. Does SR22 Insurance Affect Your Rates?

Yes, SR22 insurance often increases your premiums as it categorizes you as a high-risk driver. Working with an agent to compare quotes can help minimize costs.

7. How Do You Get SR22 Insurance Virginia?

After a qualifying traffic violation, your insurance provider files the SR22 form with the Virginia DMV. You’ll need to maintain continuous coverage to meet state requirements.

8. What Happens If Your SR22 Insurance Lapses?

A lapse in SR22 insurance coverage can result in license suspension or an extended SR22 filing period. Ensure your premiums are paid on time to avoid penalties.

9. Can You Switch Insurance Providers While Filing an SR22?

Yes, but you must ensure there’s no coverage gap. The new provider will file the SR22 form to replace the previous one.

10. What Is the Difference Between SR22 and Regular Insurance?

SR22 insurance is a certificate added to your regular policy, proving you meet minimum liability requirements. The coverage itself can include the same options as a standard policy, like liability, comprehensive, and collision coverage.

11. What Happens If You Move Out of Virginia?

Your SR22 requirement follows you to your new state. You must maintain coverage that meets Virginia’s minimum requirements, even if the new state has different rules.

12. How Do You Get an SR22 Removed?

Once your SR22 obligation period is over, contact your insurance company to remove it. The insurer will file an SR26 form to cancel the SR22 with the DMV.

13. What If You Don’t Get SR22 Insurance?

Failure to obtain SR22 insurance can result in severe penalties, including license suspension, fines, or even jail time. Without it, you won’t be able to reinstate your driving privileges.

14. Where Can You Get SR22 Insurance in Virginia?

Not all insurance companies provide SR22 filings. Contact us at 1.888.445.2793, or Get an SR22 Insurance Quote Online to compare options and find the best rates.

15. How Can You Save on SR22 Insurance?

To save money, maintain a clean driving record, bundle multiple policies, or consider a non-owner policy if you don’t own a vehicle.

Still have a question?

If you have any other queries about SR22 Insurance Virginia, feel free to reach out to us. Our knowledgeable team is here to help!

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Last Updated on December 9, 2024 by Marlon Moss

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