Virginia VA SR22 Form Insurance
Reader’s Question:
I had an accident recently but I do not have car insurance. The DMV in Virginia wants an SR-22 certificate sent to them. What questions are on that SR22 form? Am I gonna have to pay for that accident?
Janice
Virginia Beach, VA
The SR-22 is simply a form of financial responsibility proving that you are carrying a certain type of liability coverage. It is not a form with questions that you have fill out but it is the one that your insurance company would fill out and file for you with the state of Virginia showing you had the required insurance coverages.
Normally if you were at fault in the accident you would be held personally liable for the damages the vehicle and driver sustained. If you did not pay the other party on your own the other driver could seek a judgment in court against you. If the other driver had insurance to take care of their damages their insurance company could come after you (subrogate with you) for the monies they paid out for the accident you caused.
DMV New York Car Insurance
Reader’s Question:
My dad had a lapse in his insurance while he was out of the country and he was told by the NYS DMV that he had to surrender the plates for the entire time of the lapse, which was about 5 months. He decided to sell the vehicle to me so I can obtain the vehicle registered under my name so we can start using the vehicle again. I have all the necessary paperwork and got new insurance but at the DMV said that due to the lapse, I am still unable to register the vehicle until the end of the 5 months. Is this true?
Zachary
New York, NY
Yes, it is true that the NYS DMV has the authority to deny issuing you registration on the car thus you cannot register and use the car since the current registration has been suspended as a penalty for having a lapse in car insurance coverage.
The NYS DMV will not issue a registration to any individual unless that individual makes a sworn statement on form FS-2. This statement certifies that the reason for the application in not to avoid the results from the current revocation or suspension. The local DMV Office will decide if the application will be accepted or rejected.