FR 44 Insurance, commonly referred to as Certificate of Financial Responsibility, is a type of insurance filed by individuals convicted of DUI or DWI. Once convicted you will be required to file one before you can legally get back behind the wheel in the states of Florida and Virginia.
In most cases, your insurance agency should help you file FR44 insurance after your license is revoked. Your insurer uses this insurance to show the government that you are covered by increased liability insurance.
Some of the unfortunate incidents that could lead to you needing FR 44 insurance include:
- Injury or death of another road user while you are driving
- Driving while intoxicated with alcohol or drugs
- Driving without a license or driving while your license has been forfeited due to other convictions
- Being in violation of certain state laws
In Virginia, FR 44 insurance coverage limits are double the SR22 insurance coverage limits. Usually 50/100/40 for bodily harm and property damage that translates to:
- Injury or death of an individual $50,000
- Injury or death of two people $100,000
- Property damage $40,000
It is your responsibility and duty to purchase the insurance and have the insurance file with the DMV for you. If the DMV is not in receipt of the FR 44 insurance when your new policy is issued, or upon renewal of your current policy, you will have your privileges withheld. For instance, you will not be able to drive, register new vehicles and obtain decals in the state of Virginia.
The best way to get started on your FR 44 Insurance is by filing with us, contact our call center today. Our agents are readily available to give you a quote and answer any queries you may have.