An FR-19 in Maryland is a specific form required by the Maryland Motor Vehicle Administration (MVA) that serves as proof of financial responsibility for your vehicle's auto insurance.
Understanding the FR-19 Form
The FR-19 form is a crucial document for many Maryland drivers, particularly when dealing with the MVA. It's essentially a certification from your insurance provider.
- Proof of Insurance: The primary purpose of an FR-19 is to verify that, at a given point in time, you possess the minimum required auto insurance coverage in Maryland for your vehicle. It confirms your compliance with the state's mandatory insurance laws.
- MVA Requirement: The Maryland Motor Vehicle Administration (MVA) frequently requires clients to file an FR-19. This typically happens in situations where they need documented proof of current insurance coverage, such as after certain traffic infractions, accidents, or during specific vehicle-related transactions.
- Not an SR-22: It is important to distinguish the FR-19 from an SR-22 form. While both relate to financial responsibility for auto insurance, an FR-19 simply attests to your current insurance status at a specific moment. An SR-22, on the other hand, is generally required for drivers deemed high-risk and certifies that they will maintain insurance for an extended period, often years.
Key Characteristics of an FR-19:
| Characteristic | Description |
|---|---|
| Purpose | Certifies proof of required auto insurance at a specific point in time. |
| Issuer | Your auto insurance provider. |
| Requiring Authority | Maryland Motor Vehicle Administration (MVA). |
| Duration | Valid for the specific date it's issued; not ongoing proof like an SR-22. |
| Comparison to SR-22 | Different from an SR-22, which is for high-risk drivers and ongoing proof. |
In essence, if the Maryland MVA asks you for an FR-19, they are seeking official verification that you have the necessary car insurance coverage in place. You would typically obtain this form directly from your auto insurance provider.
