Requiring state filings are not the end of the world you may be required to have filings with your car insurance if your license has previously been suspended you may need an Fr-44 or certificate of financial responsibility to reinstate your driving privileges after a DUI or similar serious traffic offenses in states like Florida or Virginia.
In states like Maryland you may be required to have an Fr-19 filed whenever there is a circumstance where a lapse of insurance may have occurred this can be prompted if you switch insurance carriers mid term or if you have a lapse of insurance for non payment or a cancelled policy.
