SR-22 insurance and FR-44 insurance refer to different documents that serve as proof of coverage. These are not actual insurance policies, but rather legal forms filed by your insurance company to prove you have the required liability coverage. If you’re a high-risk driver or have major violations, you may be told by the state that you need one. At Vernon Agency in Flushing, MI, we help drivers navigate these requirements with ease.
SR-22: The Most Common Filing
SR-22 is the more widely used of the two. It’s typically required after serious driving violations such as a DUI, multiple traffic offenses, or driving without insurance.
The SR-22 form verifies that you have at least the state’s minimum auto insurance liability coverage. While the form doesn’t actually result in higher premiums, you can expect to pay more because you’re considered a high-risk driver.
FR-44: Stricter Requirements in Certain States
FR-44 is only required in a few states, most notably Virginia and Florida. It serves a similar purpose but with one major difference: the required liability coverage limits are significantly higher. FR-44 is often mandated by Virginia and Florida after some of the most severe violations, like reckless driving or worse.
Because of the increased liability limits, FR-44 policies tend to be more expensive than those that just meet state minimum requirements. You won’t be asked for an FR-44 form if you’re in Flushing, MI, as Michigan only uses the SR-22.
Get Help With an SR-22
If you’ve been told you have to file an SR-22, we at Vernon Agency can help request and file this document. We’ll contact your insurance company and ask them to file it with the Michigan Department of State and confirm it’s been filed. Contact us for help.
