UltraCar Insurance Helps Drivers Reinstate their License With Virginia FR-44 and SR-22 Insurance

High-risk auto insurance provider helps drivers return to the road with FR-44 and SR-22 certificate filings. End Quote

Virginia Beach-Norfolk-Newport News, VA-NC (1888PressRelease) September 23, 2022 - Virginia - Getting insurance as a driver with a clean driving history is straightforward. However, things can get more complicated for drivers with checkered driving records or suspended licenses. Insurance companies are reluctant to insure high-risk drivers because they pose a greater risk of making claims. FR-44 and SR-22 insurance are options for high-risk drivers in these cases.

People often believe FR-44 and SR-22 insurance are auto insurance. However, they aren't insurance policies; they're financial responsibility certificates endorsed to a driver's auto or non-owner insurance policy. An insurance provider files the certificate with the state to prove that the driver meets the state's minimum mandated insurance coverage. The filing allows someone with a suspended license to reinstate their driving privileges.

For each motor vehicle incident, the DMV assigns “demerit points” to the driver’s DMV record. Accumulating too many points is problematic for drivers, because it leads to license suspension. The Virginia DMV, for instance, has a three, four, and six-point scale. The number of points applied to the DMV record depends on the severity of the violation. Receiving 18 points within twelve months or 24 points within twenty-four months results in a 90-day license suspension.

Getting a license suspension poses significant problems for other reasons as well:

- Vehicles are necessary for commuting, particularly in the U.S., which has limited public transportation infrastructure in most areas.
- It's well-known that drivers with multiple traffic violations, at-fault accidents, and DUI convictions must pay higher premiums for their insurance.

Requirements to reinstate a suspended license include:
- Paying fines.
- Taking remedial driving courses.
- Purchasing SR-22 or FR-44 insurance.
- Maintaining it - usually for three years.

SR-22 insurance is available in many states, while FR-44 insurance is only available in Florida and Virginia, specifically for alcohol and drug-related convictions. Drivers must typically get SR-22 insurance after accumulating excessive points, getting a DUI or DWI conviction, complying with a court order, and other reasons.

Many insurance providers don't offer high-risk insurance, and that's where UltraCar Insurance enters the mix. UltraCar Insurance is a family-owned insurance provider based in the St. Louis metro area. The company's primary focus is providing high-risk auto insurance to drivers following license suspensions. They provide SR-22 insurance in 34 states, FR-44 insurance in Virginia and Florida, and cross-state SR-22 filings. They have over a decade of experience helping drivers return to the road following license suspension and has garnered a loyal customer base thanks to their exceptional customer service.

It's worth noting that UltraCar Insurance also provides non-owner SR-22 and FR-44 insurance filings. Drivers who don't own a vehicle can obtain non-owner SR-22 and FR-44 insurance to reinstate their license.

In conversation, a company spokesperson shared, "UltraCar Insurance understands that traffic violations and accidents happen. Repeated incidents resulting in license suspensions cause significant problems for drivers because it affects their personal, professional, and financial lives. We help high-risk drivers responsibly reinstate their driving privileges following a license suspension by completing SR-22 and FR-44 filings. Our knowledge and experience allow us to provide auto and non-owner insurance policies that best suit each individual's situation. We plan to continue assisting Virginia-based drivers with auto insurance and license reinstatement needs."

About UltraCar Insurance
UltraCar Insurance is a family-owned insurance company based in the St. Louis metro area. They have helped high-risk drivers with license reinstatement since 2012 by offering standard and SR-22 auto insurance policies in 34 states, FR-44 insurance in Virginia and Florida, plus non-owner and motorcycle insurance with or without an SR-22 and FR-44 filing.

High-risk drivers in Virginia can contact UltraCar Insurance through the contact points listed below.
Contact UltraCar Insurance
Website: https://ultracarinsurance.com/
Contact: (888) 551-1991
Address: 801 S Woodlawn Avenue, Suite 26 | O’Fallon, MO 63366
Hours of Operation: Monday – Friday 8:00 AM – 5:00 PM Central
Saturday 9:00 AM – 3:00 PM Central
Fax: 636-542-4035
Facebook: https://www.facebook.com/UltraCarInsurance/

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