Key Differences Between the SR22 and FR44 Insurance Policies

You’ve most likely heard of an SR22, but there’s another insurance filing to keep in mind—an FR44. Currently, only two states, Virginia and Florida, use SR22 and FR44. If you reside in either of those states, take note of the essential differences between the SR22 and FR44 insurance policies.

What is an SR22?

An SR22, while often referred to as a form of insurance, is, in fact, a certificate that allows a driver to obtain coverage after a serious event. An individual may need SR22 for a variety of reasons, including a DUI conviction, engaging in reckless driving, or driving without a license. The state sees these drivers as a “high-risk,” and as such, need to take an extra step to obtain insurance.

What is an FR44?

If you’re a driver in either Virginia or Florida, you may need to obtain an FR44. Similar to the SR22, for the FR44 in Virginia, you’ll need to get one if you’re a high-risk driver due to any of the aforementioned reasons. It’s a bit different in Florida, in that a driver will only need this in the case of driving under the influence. The FR44 certification is for more serious cases, and the actual ruling will vary on a case-by-case basis. If you’re hoping to get back on the road after these issues, an FR44 is what you’ll need.

What are the differences?

While an SR22 and an FR44 may seem interchangeable, there are some major differences those affected need to be aware of. One of the greatest differences between the SR22 and FR44 insurance policies is the cost of minimum liability car insurance coverage. For the FR44, this will be much higher than usual, even when compared to an SR22. Below are the normal liability coverage requirements:

Virginia:

• $40,000 for property damage liability
• $50,000 for injury or death to one person
• $100,000 for injury or death of more than one person

Florida:

• $50,000 for property damage liability
• $100,000 for injury or death to one person
• $300,000 for injury or death to more than one person

If your case requires an FR44, it’s important to know that the costs will be higher. However, there’s no need to lose hope, as insurance companies that offer SR22 will be there to help you figure out your best options. The road toward your new life may not always be easy, but with the right help at your side, you’ll find that your future is bright.