License reinstatement pending or a DMV deadline on the clock? We file your SR-22 or FR-44 certificate with the Virginia DMV the same day, with coverage that fits your budget.
The DMV or court order will specify which certificate applies. Here's the practical difference.
Certificate of financial responsibility for most license reinstatement cases — points, lapses in coverage, or minor violations.
Required for more serious offenses, including DUI convictions in Virginia. Requires higher liability limits than a standard SR-22.
Either certificate is filed with the Virginia DMV the day you call, with policy coverage matched to what's required.
An SR-22 or FR-44 usually comes with a deadline attached — a court date, a reinstatement window, a lapse the DMV is already tracking. Waiting days for a captive agent or online insurer to process the filing can mean a missed deadline and another suspension.
Cochran Insurance has filed these certificates out of the same Danville office since 1977. Call, and we file it that day.
Your name, date of birth, and the reason the DMV or court is requiring the filing. We'll confirm whether it's an SR-22 or FR-44, quote coverage, and file it while you're on the phone.
Call (434) 793-5000An SR-22 is a standard certificate of financial responsibility. An FR-44 is required for more serious offenses, like a DUI, and needs higher liability limits.
Same day, as long as we have your policy and case information when you call.
Typically two to three years, depending on your offense and court order. We track it so it doesn't lapse.
Yes — we're licensed in Virginia.
Call now — SR-22 and FR-44 certificates filed with the Virginia DMV the same day.
Call (434) 793-5000