Legal and regulatory insurance rules
A certificate of insurance (COI) proves coverage exists but does not create it — and "additional insured" on a certificate means nothing without an actual policy endorsement. Here's what landlords, GCs, and municipalities require and how to comply.
Georgia has no state law requiring homeowners insurance, but mortgage lenders on FHA, VA, and conventional loans require it — typically at replacement cost value with $100,000+ liability coverage.
Virginia, Florida, and Massachusetts impose the toughest consequences for uninsured driving — from $5,000 fines to mandatory imprisonment. This ranking compares penalties across all 50 states on fines, suspensions, impoundment, and SR-22 duration.
FR-44 is required in Florida and Virginia after DUI convictions. Learn what coverage is required, how it differs from SR-22, how long you must maintain it, and what it costs.
Commercial trucks need $750,000-$5,000,000 liability depending on cargo. Learn FMCSA requirements, how to file Form MCS-90, owner-operator coverage, and how to get authority.
SR-22 is a certificate proving you carry required auto insurance. Learn when it's required, how long you need it, costs, and how to file in your state.
Browse insurance requirement guides across other coverage areas
State minimum auto coverage rules
Insurance rules for businesses
Rules for contractors & trades
Professional & general liability rules
Country-specific travel rules
Insurance for motorcycles, boats & more
Side-by-side insurance requirement comparisons
Insurance requirements for delivery & rideshare drivers
SR-22, FR-44, bonding, state filings, federal DOT requirements, and regulatory compliance basics.
All guides are written by the Coverage Criteria editorial team and verified against official government and regulatory sources. We translate complex insurance rules into plain language so you know exactly what coverage is required — without needing a lawyer.