FR-44
Florida and Virginia use this stricter certificate for some serious offenses. Higher limits. Same idea: the insurer files the proof.
What it is
An SR-22 is a certificate. Not a policy.
The insurance company files it with the state to prove a liability policy is in force. You buy the policy. You do not mail the form.
- The order names the proof, the limits, and the end date.
- An insurer that will file in that state writes the policy.
- The insurer sends the certificate. A lapse is reported, and the period can restart.