Auto Insurance Express

 

Get A Quote About FAQ Contact Home Page
 
Quick Links Auto SR-22 Motorcycle Boat

cop writing ticketTechnically, SR-22 is not automobile insurance. SR stands for safety responsibility, and SR-22 is a form that an insurance company files with the state testifying that a driver has insurance coverage that meets that particular state's minimum requirements.

Drivers who need SR-22 are those found guilty of a major traffic violation. Although the infractions may vary slightly from state to state, generally speaking, a driver guilty of any of the following must obtain an SR-22 before resuming driving.

  • Driving under the influence (DUI) or driving while intoxicated (DWI)
  • Driving without auto insurance
  • Driving with a revoked or suspended license
  • Being ticketed for too many major traffic violations within a short period of time

FR-44 stands for fiscal responsibility and only Virginia and Florida require it. The FR-44 is similar to SR-22 in that committing the same infractions will trigger the requirement, but differs in that while SR-22 proves the state's minimum coverage, FR-44 requires coverage in excess of the respective state's minimum.

Virginia's FR-44 insurance requirements are double the SR-22 (minimum) requirements and set the limit at 50/100/40 for bodily injury and property damage. This translates to $50,000 in the case of bodily injury or death of one person, $100,000 for two or more and $40,000 for property damage.

In Florida, filing an FR-44 proves that a driver has higher coverage as well. Those affected must prove they have a minimum of 100/300/50, again $100,000 and $300,000 relating to injury and death, and $50,000 applied to property damage.

Although residents should check with their own particular state, generally speaking, if a driver complies with all local traffic laws and is free of citations for three years, he/she is no longer required to register an SR-22 or FR-44 form.

This brings us to SR-26, which is the form an insurance company files either when a driver's probationary SR-22 term has been successfully completed, or the policy is terminated for another reason. If the SR-26 is filed because the driver proves he has changed his unsafe driving habits for three years, or whatever the specified period,  savings will follow in the form of eventual reduced rates and the absence of an annual filing fee.

However if an SR-26 is filed before the probation period has been successfully served (usually three years), the driver will have to deal with the state's laws. Some require finding another insurance company to fill out the rest of the period while others require starting from scratch with a new company, thus extending the added expense.

Are you a high-risk driver? Call Auto Insurance Express at (417) 206-3733 for more information on Joplin SR-22 insurance.
Share |


No Comments


Post a Comment
Name
Required
E-Mail
Required (Not Displayed)
Comment
Required


All comments are moderated and stripped of HTML.
Submission Validation
Required
CAPTCHA
Change the CAPTCHA codeSpeak the CAPTCHA code
 
Enter the Validation Code from above.
NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive


View Mobile Version
View Our Latest Insurance News
more...
  Featured Coverage
Quick Links
Connect With Us
Home    |    About Us    |    Get a Quote    |    Customer Service    |    Make a Payment    |    File a Claim    |    Join Our Newsletter    |    Contact Us

Visit Us at One of Our 4 Convenient Locations!


 
Auto Insurance Express
817 S. Maiden Lane
Joplin, MO 64801
417.206.3733

2248 S Campbell Ave
Springfield, MO 65801
417.889.3733

1341 E Kearney
Springfield, MO 65803
417.865.4800

2587 N College Ave
Fayetteville, AR 72703
479.521.2929
 
Powered by Insurance Website Builder
How Can We Help You?
or call us at
417.206.3733
Get A Quote My Policy Location Facebook Twitter Linkedin Blog RSS Feed Insurance Website Builder Blog Facebook Twitter LinkedIn
Facebook Twitter LinkedIn Blog RSS Feed