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The document is a Virginia Uniform Financial Responsibility Certificate (FR 44) used to certify compliance with state motor vehicle liability insurance requirements. It requires the insured person's information, insurance company details, and vehicle specifics, confirming that the insurance policy meets or exceeds the minimum coverage limits mandated by Virginia law.

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Which states do not require an SR-22?

Most states require an SR-22, with the exceptions being Delaware, Kentucky, Minnesota, New Mexico, New York, North Carolina, Oklahoma and Pennsylvania.

What auto coverage is required in NC?

The minimum coverage requirements are $30,000 Bodily Injury for each person, $60,000 total Bodily Injury for all persons in an accident and $25,000 for Property Damage. Motor Vehicle Law also requires Uninsured/ Underinsured Motorists coverage.

What is the point of SR-22?

An SR-22 is a certificate of financial responsibility required for some drivers by their state or court order. It serves as proof that the driver has purchased the minimum required auto coverage in the state. Depending on your situation and what state you live in, an FR-44 may take the place of the SR-22.

What is the new law for auto insurance in NC?

Another law for 2025 raises the minimum liability limits for auto insurance to $50,000 for one person and $100,000 for two or more people per accident. Property damage coverage will also rise to $50,000. Auto insurance premiums are going to go up, said Walden.

Does North Carolina require SR-22?

SR-22 certificates are not required in the state of North Carolina. However, North Carolina does operate under a Safe Driver Incentive Plan which assigns SDIP points against your driving record for serious moving violations.

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What is a SR-22 form in California?

In California, SR22 is a document used to verify that a high-risk individual has insurance. SR22 is not in and of itself an insurance policy. The SR22 form is prepared by an insurance company and then filed with the California Department of Motor Vehicles (DMV).

How do I get a NC DL 123 form?

A North Carolina motorist can get a Form DL-123 from a car insurer thats licensed to do business in the state. The form cant be purchased on its own, however; it must accompany a valid auto insurance policy. The form expires 30 days after it was issued.

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