Rules differ by states, but SR22 and FR44 are names for the documents that the state will require some drivers to have on file in order to prove financial responsibility. Basically, they prove that the driver carries the required minimum car liability insurance, according to the state's laws. It's important to realize that these are not the same as the auto insurance cards that most drivers have to keep with them.
When is FR44 or SR22 Insurance Required?
Drivers are usually required to get FR44 or SR22 insurance if they are convicted of a major violation. These might include:
- Having an accident when uninsured
- DUI/DWI convictions
- Reckless driving moving violations
How to Get an SR22 or FR44 Document Filed With the State
The rules that govern mandated liability insurance are called financial responsibility laws. Thus, both of these forms are called certificates of financial responsibility, or more commonly referred to as CFRs. In most states, applicants will have to pay a filing fee. This fee is in addition to car insurance premiums, so it might not be reflected on a quote from an auto insurance company. Typically, the fee is about $25, but it might be higher in some places.
These certificates must be requested from an auto insurance company. In turn, the insurer will file the necessary documents with the state. If FR44 or SR22 insurance lapses before the state lifts the requirement, the insurer will also be required to notify the state about the lapse. However, obtaining the form is usually no more difficult than telling a major insurer that one is required. Of course, premiums for the kinds of high-risk drivers that require these certificates are bound to be higher than they are for low-risk drivers. Not all insurers issue this kind of insurance, but most of the larger companies do.
Get the coverage you need. Call Auto Insurance Express at (417) 206-3733 for more information on SR22 insurance Springfield MO.