SR-22 and FR-44 in Virginia: What They Are and How to Get One

The short answer

An SR-22 and an FR-44 are not insurance policies themselves. They are official forms that your insurance company files with the Virginia DMV to prove that you carry the required amount of coverage.

If you have ever had trouble with your driving record, you might have heard the terms SR-22 or FR-44. These sound like confusing insurance codes, but they are actually simple documents. They help the state of Virginia make sure you are following the rules of the road. If you are living in Glen Allen or anywhere else in Virginia, knowing how these work is very important for keeping your license.

What is an SR-22?

An SR-22 is a form that your insurance company sends to the Virginia DMV. It serves as proof that you have an active car insurance policy. An SR-22 is not insurance by itself. It is just a document that acts as a guarantee to the state.

The DMV might ask you to get an SR-22 for a few different reasons. You may need one if you were caught driving without insurance. They also require it after certain serious traffic violations. If your license was suspended for a period of time, the DMV will likely ask for this form before they let you drive again.

What is an FR-44?

An FR-44 is similar to an SR-22, but it is for more serious situations. Virginia law requires this form specifically after DUI related convictions.

There is one big difference between an SR-22 and an FR-44. With an FR-44, you must carry higher liability limits than a standard policy. In fact, the law requires double the state minimum for liability coverage. Just like the SR-22, this is a form filed by your insurance company to show the DMV that you meet these higher standards.

What happens if my policy cancels?

When you have an SR-22 or an FR-44 on file, your insurance company has a special responsibility. If your policy is cancelled or if you stop making payments, the insurance company must tell the DMV right away.

This is very serious. If your insurance policy lapses for any reason, the DMV will know immediately. This can lead to your driver's license being suspended all over again. To avoid this, you must keep your policy active and pay your premiums on time.

Can I get these forms if I do not own a car?

Yes, you can. Some people think they cannot get insurance because they do not own a vehicle. However, you can still get a non owner policy. This type of policy allows you to keep an active filing with the DMV even if you do not have a car to insure. This is a common way for people to stay legal and eventually get their driving privileges back.

Do all insurance companies offer these filings?

No, not every insurance carrier files these forms. You need to ask your agent if they can provide an SR-22 or an FR-44 filing before you buy a policy. At Trinity Solutions Insurance Agency, we are happy to help you find the right coverage that meets your specific needs.

How long do I need to keep the filing?

The DMV will decide how long you need to keep the filing on your record. This depends on why you were required to get it in the first place. For many people, the requirement lasts for three years. The DMV will send you a letter or give you instructions on how long you need to maintain the filing. It is very important that you follow these instructions to the letter.

How to get your filing

If you are ready to set up your filing, follow this checklist to stay organized:

1. Contact the Virginia DMV to find out exactly which form you need.
2. Ask the DMV how long you must keep the filing on your record.
3. Call your insurance agent and ask if they can file an SR-22 or FR-44 for you.
4. Confirm the amount of liability coverage required for your specific situation.
5. Purchase the policy and make sure the filing is submitted to the state.
6. Set up automatic payments to ensure your policy never lapses.
7. Keep a copy of your insurance documents in your glove box or with your records.

Common questions

What is the difference between SR-22 and FR-44? An SR-22 is for general violations or driving without insurance. An FR-44 is for DUI related convictions and requires higher liability coverage.

Will my insurance cost go up? Any time you have a major violation or a license suspension, your insurance company may change your rates. You should talk to your agent to understand how your specific history impacts your bill.

What happens if I forget to pay my bill? If you do not pay your bill and your policy cancels, the insurance company must report the lapse to the DMV. This will likely lead to another license suspension.

What to do next

We know that dealing with the DMV can feel stressful. You do not have to do it alone. If you need help with your coverage or have more questions about these forms, we are here to assist you. You can look at our auto insurance page to learn more about our services. If you would like us to look at your situation, please request a personal quote today. We look forward to helping you get back on the road safely.