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Approximately 13% of drivers are driving without insurance.  Most states have implemented financial responsibility laws ie… SR22, FR44, DL123 programs.  The problem lies in databases which aren't current and don't communicate between states. READ MORE >>

We get calls every day here at Wessell Insurance from people that need SR22 insurance for their license reinstatement...  Yet do not own a vehicle.  It is true that the SR22 insurance program needs to apply to a motor vehicle. READ MORE >>

I need SR22 but I don't have a vehicle.  No problem, we specialize in non-owner policies.  The non-owner auto policy covers you with liability only for vehicles you borrow or drive temporarily.  It is the lowest price option to file an SR22 and meet the state DMV financial responsibility requirements. READ MORE >>

North Carolina DL123 program requires everyone to acquire an auto insurance policy in order to get a state drivers license.  The driver is rated by driving experience regardless of age. READ MORE >>

The state of VA continues to use the FR44 system to monitor the insurance policies of drivers that have alcohol violations within the state. We often get calls from drivers that do not live in Virginia, but got charged with DUI while in the state. In this case, the VA DMV will require FR44 be provided to state minimum FR44 limits (50/100/40) in some way. READ MORE >>

Mobile phones are the preferred way to access the internet.  This is a great convenience, however using the phone while driving is a dangerous distraction.  Distracted drivers account for 1 out of 4 auto accidents, over 330,000 accidents per year.  This shocking statistic will continue to affect auto insurance rates. READ MORE >>

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Has your SR-22 Insurance Policy cancelled or lapsed? If the answer is yes, we can help. When you let your SR-22 insurance cancel or lapse, the insurance carrier that the coverage is through is legally required to issue an SR-26 form filing to the state. READ MORE >>

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  In Washington State, an SR22 is required to release your license and keep it valid once it is suspended for certain offenses.  A   traditional owners SR22, or auto broad-form SR22 will accomplish this, but these is another, cheaper way to comply with Washington’s SR22 requirement. READ MORE >>

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 If you have been ordered to file an SR22 to get your drivers license reinstated you will need to do so with or without owning a car.  As far as the state is concerned, they expect you to carry this extra insurance in the event that you are driving someone else's car and get into an accident. READ MORE >>

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The SR22/FR44 communication system is used by the DMV to track insurance policies of certain drivers. The driver that requires out of state SR22 insurance or an FR44 has several choices how the insurance can be applied, and is written to the limits of the state where the policy is based. READ MORE >>

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