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Wessell Insurance Services, LLC

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Wessell Insurance Services specializes in auto insurance, SR-22 Insurance,  FR-44 InsuranceNon-Owners Insurance, and motorcycle insurance. We are focused on getting you a quick quote and great rates to get you back on the road! 
            
                    

Who Needs to Carry SR-22 Insurance?
  • If you have a DWI or DUI
  • Driving with invalid driver's license
  • If your license has been suspended
  • Guilty of major moving violations
  • High risk Driver's
  • Driving without insurance
  • Driver's with too many tickets
Wessell Insurance Can Help
  • SR-22 Certificate of Insurance filed same Day
  • We Offer Non-Owner SR-22 Insurance
  • Broad Form Insurance Policies
  • Low Cost SR-22 Insurance
  • Great Customer Service
  • Affordable Monthly Payments
  • Credit Cards Accepted

SR-22 Insurance Explained                                                                               


"SR-22 insurance" or SR-22 Form is actually a certificate of proof of future financial responsibility that is provided by a licensed insurance company that proves you have secured the liability insurance required by the state.  Some might say it serves as a tracking device for the state to make sure you keep the state legal liability insurance in place.  The insurance company flags your policy, by putting what is known as a SR-22 rider on the policy.  This rider is the SR-22 certificate of financial responsibility, and is not an actual insurance policy itself but, attached to an insurance policy.  By attaching this rider it let's the state know that you are in compliance with the law, and have purchased the state mandated insurance.   With that in mind, the insurance company is also legally obligated to let the state know when this policy has canceled or lapsed, this is known as a SR-26.  It is up to the policy holder to make sure they keep the SR-22 (CFR) certificate of financial responsibility and mandated insurance in place for as long as the state is requiring.


FR-44 Insurance Explained     

The difference between SR-22 Insurance and FR-44 Insurance is that FR-44 Insurance is a certificate of financial responsibility (CFR) which is required for anybody who gets convicted of a DWI or DUI in the state of Florida and Virginia. FR-44 Insurance policies must be issued by an insurance carrier that is licensed to do business in the state of Florida and Virginia. FR-44 certificate of financial responsibility is required for the convictions listed: caught driving while his/her driver's license has been suspended to due a conviction, caught driving under the influence of alcohol or drugs, caught driving while his/her driver's license has been suspended pending court date.  The liability limits for FR-44 policies are twice that of a SR-22 policiy.  Florida requires FR-44 liability linsurance limits to be 100/300/50; $100,000 for bodily injury or death of a person, $300,000 for bodily injury or death of two or more persons, and $50,000 for property damage.  The state of Virginia's FR-44 liability requirements are 50/100/40; $50,000 for bodily injury or death of one person, $100,000 for bodily injury or death of two or more people, $50,000 for property damage.

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If you have been told you need to file an FR44, give us a call. We can help you find the insurance you need. Read More





SR22s and FR44s Available Nationwide
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1676 Bryan Road 103
O'Fallon, MO 63368
Toll Free: 866-663-7561
Local: 636-614-4125
Fax: 636-272-1720
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