SR22 Insurance in Virginia

For some drivers, the state of Virginia may require what is known as SR22 insurance.  This is a special type of vehicle liability insurance that is required by the DMV in special circumstances.  In Virginia, SR22 insurance may be required when a driver operates a motor vehicle without insurance, is involved in an uninsured accident, leaves the scene of an accident without disclosing insurance and personal information, falsifies insurance documentation, or operates a passenger automobile for hire without a license.

SR22 insurance in VA has specific coverage limits.  These limits include $25,000 for bodily injury or the death of one person, $50,000 for the injury or death of two or more persons, and $20,000 for property damage.  If you have been notified that you are required to carry SR22 insurance, finding the right quote is absolutely essential.  Without this insurance, you can risk jail time if you are caught operating a motor vehicle.  It is important to note that even if you do not own a motor vehicle, you will need to purchase non owner SR22 insurance in order to reinstate your driver’s license.

The laws around SR22 insurance throughout the state are quite strict, and getting coverage is a necessity for license reinstatement.  Taking the time to contact multiple insurance agencies can help you ensure that you find the best price possible for your coverage and can help you obtain other vehicle insurance coverage as well, but it is worthwhile to note that not all insurance companies are willing to work with high-risk drivers.  It may take a bit of hard work and research to find a company that offers SR22 coverage in your town and that also offers a rate that you can afford.  This coverage can be quite costly, especially when added to DMV filing fees, but if you have been required by the DMV or the court to carry this insurance, it is crucial that you not hesitate to find a policy that works for you.

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