Virginia Non Owner SR22 Insurance

Virginia Non Owner SR22 Insurance

The Commonwealth of Virginia requires an SR22 filing (SR22 insurance) for several reasons, including:

  • Failure to carry mandatory insurance
  • Unsatisfied judgment
  • Making a false affidavit to the DMV
  • Any felony involving the use of a motor vehicle
  • Leaving the scene of an accident that involved the injury of another person
  • Operating a vehicle for hire without license, second offense

The Commonwealth of Virginia requires an FR44 filing (FR44 insurance) for the following reasons:

  • Driving while under suspension
  • DWI

How Long Do I Need To Maintain Virginia Non Owner SR22 Insurance?

Virginia non owner SR22 insurance must be kept for three years in most cases.

What Offenses Can Result an SR22 Insurance Requirement?

  • Child support or neglect cases
  • Excessive points on driver’s license
  • Uninsured auto accidents
  • Legal judgments
  • Driving without minimum mandated insurance coverage

An SR22 insurance policy involves an agreement between your insurance company and the Virginia DMV. When your insurance company issues an SR22 form, they are issuing a guarantee that you at least have minimum liability coverage and that they will notify the DMV if your coverage should ever lapse for any reason. An FR44 insurance policy is similar to an SR22 policy, except that the minimum liability limits of the SR22 policy are doubled.

If you have an SR22 or FR44 requirement, and you do not own or have regular access to a vehicle, you can purchase non-owner SR22 or non-owner FR44 insurance.