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Home › Blog › What is SR-22 Insurance or FR-44 Insurance, and When Do I Need It?

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The information in this blog is for general informational purposes only, may not reflect the most current developments, is not intended to and should not be relied upon or construed as a legal opinion or legal advice or to address all circumstances that might arise. See full disclaimer.

What is SR-22 Insurance or FR-44 Insurance, and When Do I Need It?

April 19, 2018

Do you know what SR-22 insurance, or FR-44 insurance, is, or when you’ll need it?

Most drivers who get a DUI or DWI will end up having their auto insurance, and possibly other insurance, impacted. If they want to drive, they will likely be required to have insurance, and that means they will have to get “high-risk” insurance for coverage. Their current insurance providers may not offer that type of “high-risk” insurance, which means they will have to find another provider.

In addition, their state or jurisdiction may require proof of that insurance coverage, which is known as an SR-22, or FR-44 document or certificate.

What is SR-22 Insurance or FR-44 Insurance?

A DUI conviction or other violations resulting in driving privileges being suspended or revoked may mean you need to obtain high-risk insurance, or a Certificate of Financial Responsibility. The SR-22 verifies you have vehicle insurance coverage. If you have an insurance provider, they will need to provide you with the proper documentation. If your insurance provider cannot offer this service, you’ll need to find another provider.

An FR-44 has the same meaning as an SR-22, just with a different name. The term depends on where you live in the U.S., as FR-44 insurance is required in Florida and Virginia.

If you do not own a vehicle, some states may have a non-owner SR-22 policy requirement.

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How Do I Know If I Need SR-22 Insurance?

Your court, judge or state office, depending on where you live, will notify you if you are required to have an SR-22. Requirements for SR-22 proof vary by state. The amount of time you’ll need SR-22 insurance also varies by state, but on average it can be up to three years or more.

You can contact your local insurance agent or provider specializing in SR-22 fulfillment to gather more information about the process in your state. If the SR-22 insurance is court-ordered, you’ll be notified by your judge or other State Authority to get one. If you are state-ordered, you will most likely receive a notice of the requirement from your state office, such as the DMV.

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Disclaimer

The information in this blog is for general informational purposes only. Information may be dated and may not reflect the most current developments. The materials contained herein are not intended to and should not be relied upon or construed as a legal opinion or legal advice or to address all circumstances that might arise. You should contact your attorney to obtain advice with respect to any particular legal matter. Only your individual attorney can provide assurances that the information contained herein – and your interpretation of it – is applicable or appropriate to your particular situation. Links to any third-party websites herein are provided for your reference and convenience only; Smart Start does not recommend or endorse such third party sites or their accuracy or reliability. Smart Start expressly disclaims all liability regarding all content, materials, and information, and with respect to actions taken or not taken in reliance on such. The content is provided “as is;” no representations are made that the content is error-free.

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